Making Homes a Reality for Every Pakistani. An Initiative by Prime Minister Mian Shehbaz Sharif.
Mera Ghar Mera Ashiana Scheme is a flagship housing initiative by the Government of Pakistan aimed at helping low- and middle-income families take their first step toward owning a home. The program addresses the country’s major shortage of affordable housing by offering low-cost housing units, easy financing options, and access to developed land for eligible applicants.
Key Details & Features – Presented by Apki Property
Loan Amount: Up to PKR 10 Million (eligible for 10 Marla plots or houses)
Eligibility: First-time homeowner with a valid CNIC
Repayment Period: Up to 20 years with low, fixed markups
First 5 years: 5%
Next 5 years: 7% (in eligible tiers)
Participating Banks: Available through major commercial & Islamic banks — including Bank of Khyber, Sindh Bank, and Bank AL Habib
Additional Benefits: No early repayment penalties, risk-sharing support, and low markup rates
Application Process – Guided by Apki Property
Visit a Branch – Go to any participating bank with your CNIC
Fill the Form – Request and complete the “Mera Ghar – Mera Ashiana” application form
Submit Documents – Provide proof of income and property details
Apki Property will assist you throughout the entire process — from property selection to bank financing.
FAQs:
What is the Mera Ghar Mera Ashiana Housing Scheme?
It is a government-backed initiative in Pakistan that aims to provide affordable housing to low- and middle-income families through low-cost residential units.
Who can apply for the Ashiana housing scheme?
Individuals earning less than PKR 90,000 per month are eligible. Priority is typically given to those who do not own property, including widows, orphans, and laborers.
What is the cost of a 3 Marla house in the Ashiana Scheme?
As of 2025, the estimated price ranges between PKR 2.1 million and PKR 2.5 million, depending on the city and location. The initial down payment usually starts from PKR 200,000.
Islamic financing options available?
Yes, both government and private banks provide financing plans for up to 20 years, with monthly installments starting from around PKR 8,500.
Can overseas Pakistanis apply?
Yes, Pakistanis living abroad who hold a NICOP can apply through online portals and submit their documents digitally.
Will Apki Property help us in this?
Yes, our experienced team will guide you fully from start to end in all matters — not only in selecting the right property but also in bank financing. You will be assisted completely throughout the process.
Estimate Your Monthly Installment
Calculate your home financing monthly payments in real-time.
Financing Amount Required
and repay in
Total Installments
240
*Monthly Installment
Rs 50,560
* 1st to 10th Year: Fixed markup of 5% applied.
⚠️ Note: 10 saal ke baad interest rate market (KIBOR) ke mutabiq oper neche hosakta hai.
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