Mera Ghar Mera Ashiana was a federal housing loan scheme launched through the State Bank of Pakistan on 24 September 2025. It offered up to Rs2 million at 5% or Rs3.5 million at 8% for first-time home buyers. In February 2026 the government raised the limit to Rs10 million at a fixed 5% for 10 years. A government notification of 26 March 2026 renamed it the Wazir-e-Azam Apna Ghar Program, Ghar Ho Tu Apna, and the PM launched it nationally on 30 April 2026. As of October 2026 it is open: apply online at apnaghar.gov.pk or at any participating bank branch. To compare it with ordinary bank home loans, read bank house loans in Pakistan 2026.
Quick Facts
| Detail | Information |
|---|---|
| Original name | Mera Ghar – Mera Ashiana Markup Subsidy and Risk Sharing Scheme (MGMA) |
| Current name | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna (PM Apna Ghar Programme), renamed by Ministry of Housing and Works notification of 26 March 2026 |
| First launched | 24 September 2025 (SBP SH&SFD Circular No. 03 of 2025) |
| Upgraded | ECC approval 27 February 2026; SBP notified banks 17 March 2026; national launch by the PM on 30 April 2026 |
| Loan (qarza) now | Up to Rs10 million |
| Markup now | 5% fixed for the first 10 years, then market rate (banks state 1-year KIBOR + 3%) |
| Tenure | Up to 20 years |
| Your share (down payment) | 10% of property value; bank finances up to 90% |
| Property size now | House up to 10 marla (2,720 sq ft) or flat up to 1,500 sq ft |
| Who can apply | Pakistani citizens with CNIC, and overseas Pakistanis with NICOP or POC, who do not own a house (first-time home owners) |
| Where to apply | apnaghar.gov.pk or a branch of a participating bank, microfinance bank or HBFC |
| Status (October 2026) | Open. No last date has been announced. |
Is Mera Ghar Mera Ashiana Still Running in 2026?
Yes, but not under the old terms. The scheme was never closed. It was upgraded and given a new public name.
On 27 February 2026, the Economic Coordination Committee (ECC) approved big changes to Mera Ghar Mera Ashiana. The loan limit went up to Rs10 million. The 8% rate was removed and one rate of 5% now applies to everyone. Houses up to 10 marla and flats up to 1,500 sq ft became eligible. The State Bank then notified the revised features to banks on 17 March 2026 (SH&SFD Circular Letter No. 01 of 2026).
On 30 April 2026, PM Shehbaz Sharif launched the "PM Apna Ghar Programme" in Islamabad with exactly these terms: up to Rs10 million, 5% for 10 years, 20-year tenure and houses up to 10 marla. Banks now sell the product as "Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna".
Is the link between the two schemes official?
Yes. On 1 April 2026 the State Bank sent banks SH&SFD Circular Letter No. 02 of 2026. It passes on Ministry of Housing and Works Notification No. 1(20)/2025-PPW dated 26 March 2026, which says the scheme previously titled "Mera Ghar-Mera Ashiana" shall be known as "Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna". Bank pages show the same link. Allied Bank's Islamic page says Ghar Ho Tu Apna is offered under SBP SH&SFD Circular No. 03 of 2025, which is the original Mera Ghar Mera Ashiana circular. Standard Chartered's Ghar Ho Tu Apna page links to the MGMA circular and to an SBP letter on "changes in features of MGMA". So it is officially the same subsidy scheme with a new name and better terms.
Old vs New Terms: Mera Ghar Mera Ashiana vs Apna Ghar
This table compares the original September 2025 circular with the terms banks offer in October 2026.
| Feature | Mera Ghar Mera Ashiana (Sep 2025) | Apna Ghar – Ghar Ho Tu Apna (2026) |
|---|---|---|
| Maximum loan | Tier 1: up to Rs2 million Tier 2: Rs2m to Rs3.5 million | Up to Rs10 million |
| Your markup rate | Tier 1: 5% fixed Tier 2: 8% fixed | 5% fixed for all borrowers (first 10 years) |
| After year 10 | Subsidy for 10 years only | Market rate; banks state 1-year KIBOR + 3% |
| Maximum tenure | 20 years | 20 years |
| House size | Up to 5 marla | Up to 10 marla (2,720 sq ft) |
| Flat size | Up to 1,360 sq ft | Up to 1,500 sq ft |
| Loan-to-value | 90:10 | 90:10 |
| Processing fee / prepayment penalty | None | None (valuation and legal charges may apply at actual cost) |
| Lenders | Commercial banks, Islamic banks, MFBs, HBFCL | Same, plus NBFCs from July 2026 |
| Online portal | No central portal; apply at bank | apnaghar.gov.pk, or bank branch |
The good news for old borrowers: the ECC said loans already disbursed under the 8% tier would be adjusted to 5% for uniformity.
Can Old Mera Ghar Mera Ashiana Applicants Continue?
- Loan already disbursed: your loan continues. The ECC decided that existing loans move to the 5% rate. Ask your bank for a revised repayment schedule if your kist has not changed.
- Application pending at a bank: banks process both under the same SBP scheme. Contact your branch and ask whether your file will be processed under the revised terms or needs a fresh form. No official rule on this has been published.
- Rejected earlier: you can apply again under the new terms. The higher limit and bigger house size may make a property that did not qualify before eligible now.
Eligibility Criteria
The official scheme rules are short. Each bank then adds its own credit checks.
Scheme rules (SBP / government)
- Pakistani citizen with a valid CNIC. Since 15 June 2026, overseas Pakistanis with NICOP or POC can also get financing under the scheme (SBP Circular Letter No. 03 of 2026).
- First-time home owner: no house or flat in your name.
- Loan can be used to buy a house or flat, build on a plot you own, or buy a plot and build.
- Employees of banks, DFIs and microfinance banks are not allowed to benefit (SBP Circular Letter No. 05 of 2026, 14 September 2026).
- No BISP or PMT poverty score is needed. This is a bank loan, not a cash grant.
Bank criteria (examples from bank pages)
- Meezan Bank: minimum gross income Rs40,000 a month; age 18 to 65 at loan maturity (or retirement age for salaried).
- Allied Bank: minimum net disposable income Rs37,000 a month; age 21 to 60 on its main page (its Islamic page says 25 to 60), and at maturity not over 60 if salaried or 65 if self-employed.
- Standard Chartered Saadiq: income Rs50,000; only Karachi, Lahore and Islamabad/Rawalpindi.
Salaried people, business owners and people with informal income (for example shopkeepers or drivers) can all apply. Banks use different forms for each: Green for salaried, Blue for formal business and Pink for informal income.
How to Apply Now (Online or at a Bank)
There is no separate "Mera Ghar Mera Ashiana online apply" portal any more. Use the Apna Ghar route:
- Check the basics. Make sure no house is registered in your name and that you can pay 10% of the property price yourself.
- Choose the property. A house up to 10 marla or a flat up to 1,500 sq ft, or a plot you own where you will build. Keep the title papers ready.
- Go to apnaghar.gov.pk. Create an account with your CNIC and mobile number. See our Apna Ghar login and portal guide for screenshots.
- Fill the application and select the bank you want. You can also skip the portal and fill the bank's Green, Blue or Pink form at a branch.
- Submit documents to the bank (see the list below).
- Wait for the decision. Banks have been told to decide complete applications within 15 working days.
- Valuation and legal check. The bank checks the property and title. Pay any valuation or legal fees at actual cost.
- Sign and receive the loan. The house is mortgaged to the bank until the loan is repaid.
Sites with names like "meragharmeraashiana" are private blogs, not government portals. Never pay anyone a "registration fee". Apply only at apnaghar.gov.pk or a bank branch.
Documents Required
On 14 October 2026, the PM's meeting cut the mandatory documents for the Apna Ghar scheme from 25 to 5. The official list of the five documents had not been published in the news reports. Until your bank confirms, keep these ready:
- Copy of valid CNIC (or NICOP/POC for overseas Pakistanis)
- Proof of income: salary slip or bank statement
- Employment letter (salaried) or business proof (self-employed)
- Property documents: sale agreement, title papers or plot ownership
- Recent photographs and a filled bank application form
Use our Apna Ghar documents checklist for a printable version.
Participating Banks
All commercial banks, Islamic banks, microfinance banks and HBFC can lend under the scheme. NBFCs were added in July 2026. These banks have a dedicated page for it:
| Bank | Product name used | Type |
|---|---|---|
| Meezan Bank | Easy Home – Wazir-e-Azam Apna Ghar Program | Islamic (Diminishing Musharakah) |
| National Bank of Pakistan (NBP) | Wazir-e-Azam Apna Ghar Program / Mera Ghar Mera Ashiana | Check with bank |
| HBL / HBL Islamic | Ghar Ho Tu Apna | Conventional and Islamic |
| Allied Bank (ABL) | Ghar Ho Tu Apna | Conventional and Islamic |
| MCB Bank / MCB Islamic | Ghar Ho Tu Apna | Conventional and Islamic |
| UBL / UBL Ameen | Mera Ghar Mera Ashiana | Islamic |
| Bank Alfalah | Ghar Ho Tu Apna (Home Musharakah) | Islamic |
| Faysal Bank | Mera Ghar Mera Ashiana | Islamic |
| HabibMetro | Ghar Ho Tu Apna | Check with bank |
| Standard Chartered (Saadiq) | Ghar Ho Tu Apna | Islamic |
| BankIslami | Wazir-e-Azam Apna Ghar Program | Islamic |
| HBFC | Ghar Ho Tu Apna | Housing finance company |
Other banks may also offer it, so ask at your own branch. The 5% rate is the same at every bank; minimum income, cities and paperwork differ, so compare two or three.
Mera Ghar Mera Ashiana Instalment Plan (Estimates)
We worked out these monthly instalments (kist) with the standard loan formula for a 20-year loan. They are estimates for years 1 to 10 only. Your bank's figure may differ slightly because of takaful/insurance and timing. From year 11 the rate moves to the market rate, so the kist will change.
| Loan amount | Rate | Approx. monthly kist (years 1-10) |
|---|---|---|
| Rs2 million (old Tier 1) | 5% | about Rs13,200 |
| Rs3.5 million (old Tier 2, before the cut) | 8% | about Rs29,300 |
| Rs3.5 million (after the cut) | 5% | about Rs23,100 |
| Rs2.5 million | 5% | about Rs16,500 |
| Rs5 million | 5% | about Rs33,000 |
| Rs7.5 million | 5% | about Rs49,500 |
| Rs10 million | 5% | about Rs66,000 |
The 5% cut alone saves an old Tier 2 borrower about Rs6,000 a month on a Rs3.5 million loan. Remember the 10% down payment too: a Rs10 million loan needs a property worth at least about Rs11.1 million. Try your own numbers on our Apna Ghar loan calculator.
History: From Mera Pakistan Mera Ghar to Apna Ghar
People often mix up Mera Pakistan Mera Ghar, Mera Ghar Mera Ashiana and Apna Ghar. Here is how they connect.
| Date | What happened |
|---|---|
| October 2020 | Government markup subsidy scheme starts; later known as Mera Pakistan Mera Ghar (MPMG). Rates were 3% to 7% for the first five years, depending on tier. |
| March 2021 | MPMG features relaxed to reach more people. |
| July 2022 | SBP pauses new MPMG disbursements after the 2022-23 budget left almost no money for the subsidy. |
| August 2022 | Disbursement resumes only for cases already approved. MPMG has not reopened for new applicants. |
| July 2025 | ECC approves the new Mera Ghar Mera Ashiana scheme. |
| 24 Sep 2025 | SBP issues SH&SFD Circular No. 03 of 2025: Rs2m at 5%, Rs3.5m at 8%, 5 marla / 1,360 sq ft. |
| 27 Feb 2026 | ECC raises the limit to Rs10m, one 5% rate, 10 marla / 1,500 sq ft. By then about 10,594 applications (Rs32.3bn) had been received and 344 loans (Rs810m) disbursed. |
| 17 Mar 2026 | SBP notifies the revised features to banks (SH&SFD Circular Letter No. 01 of 2026). |
| 1 Apr 2026 | SBP passes on the Ministry of Housing and Works notification of 26 March 2026: the scheme is renamed Wazir-e-Azam Apna Ghar Program, Ghar Ho Tu Apna. |
| 30 Apr 2026 | PM launches the PM Apna Ghar Programme: Rs3.2 trillion, 500,000 houses, 50,000 in the first year. |
| 15 Jun 2026 | Overseas Pakistanis with NICOP or POC allowed to get financing under the scheme. |
| July 2026 | NBFCs allowed to lend under the scheme. |
| 14 Oct 2026 | Documents cut from 25 to 5; 15-working-day processing limit. 75,198 loans approved (Rs448bn) and Rs76bn disbursed to about 14,000 people. |
For the full picture of the current scheme, read our PM Apna Ghar Programme guide.
Common Reasons for Rejection
- Already owning a house or having one in your name through inheritance.
- Weak title papers: unregistered plots, disputed land or unapproved housing societies.
- Kist too high for your income: banks cap the instalment against your monthly earnings.
- Poor credit record: overdue loans or credit card defaults on your e-CIB report.
- Property too big: over 10 marla or a flat over 1,500 sq ft.
- Missing 10% equity: the bank will not finance the full price.
How It Compares With Punjab Schemes
This federal loan (5% markup) is open in all provinces, GB and AJK. Punjab families who own a small plot can also consider the interest-free Apni Chhat Apna Ghar loan; see Apna Ghar vs Apni Chhat Apna Ghar.
Frequently Asked Questions
Yes. It continues under the name Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, with up to Rs10 million at 5%. As of October 2026 no closing date has been announced.
Its official name is now Wazir-e-Azam Apna Ghar Program, Ghar Ho Tu Apna. A Ministry of Housing and Works notification of 26 March 2026 renamed it, and SBP passed this to banks on 1 April 2026. The PM launched it publicly as the PM Apna Ghar Programme on 30 April 2026.
Create an account with your CNIC at apnaghar.gov.pk, fill the application and choose a bank. You can also apply directly at a participating bank branch using its application form.
At 5% over 20 years, our estimate is about Rs66,000 a month for the first 10 years. After year 10 the rate moves to the market rate, so the instalment will change. Your bank gives the exact figure.
The ECC decided in February 2026 that loans already disbursed would be adjusted to the 5% rate. Ask your bank for an updated repayment schedule if you have not received one.
It is not interest free; the borrower pays 5% and the government subsidises the rest. Islamic banks such as Meezan, BankIslami and Bank Alfalah Islamic offer it through Diminishing Musharakah, a Shariah-compliant mode.
All commercial and Islamic banks, microfinance banks and HBFC can lend under the scheme, and NBFCs were added in July 2026. NBP, Meezan, HBL, UBL, Allied Bank, MCB, Bank Alfalah, Faysal Bank and others have dedicated pages.
Yes. Since 15 June 2026, SBP allows overseas Pakistanis holding NICOP or POC to get financing under the scheme. Meezan Bank and Allied Bank list NICOP and POC holders, and Standard Chartered accepts non-resident Pakistanis in some Gulf countries, Singapore and Malaysia. Check with your chosen bank.
No. Mera Pakistan Mera Ghar was the 2020-22 subsidy scheme. New disbursements were halted in July 2022 and only already-approved cases continued. Mera Ghar Mera Ashiana was a new scheme launched in September 2025.
No last date has been announced as of 28 October 2026. The government's target is 500,000 houses over about four years. See our Apna Ghar last date page for updates.
Disclaimer: Apna Ghar Guide is an independent information site, not a government website. Always apply through official portals. Information verified from SBP SH&SFD Circular No. 03 of 2025 (24 Sep 2025), SBP SH&SFD Circular Letters No. 01, 02, 03 and 05 of 2026, Profit/Pakistan Today (24 Sep 2025), The News and Geo News (28 Feb 2026), Zameen News (18 Mar 2026), Dawn (30 Apr 2026), Business Recorder (Jul 2026), The Nation (14 Oct 2026) and bank product pages (Meezan, Allied Bank, Standard Chartered), checked 28 October 2026.