Owning a home remains a dream for millions of Pakistani families due to high property prices and expensive commercial loans. To address this challenge, the SBP Mera Ghar Mera Ashiana Scheme 2026 has been relaunched with improved features, lower markup rates, and simplified procedures, making homeownership more achievable for low and middle-income households.
Backed by the State Bank of Pakistan, this government-supported housing finance program offers subsidized home loans for buying, building, or renovating a house across Pakistan.
What Is SBP Mera Ghar Mera Ashiana Scheme 2026?
The Mera Ghar Mera Ashiana Scheme 2026 is part of the Government Markup Subsidy Program introduced by the State Bank of Pakistan to promote affordable housing.
Under this scheme, eligible citizens can obtain long-term housing loans at fixed and reduced markup rates, protected from market interest rate fluctuations.
You Can Use This Loan To:
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Build a house on your own land
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Buy a new house, flat, or apartment
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Renovate or upgrade an existing home
The program supports the national vision of “Har Pakistani Ka Apna Ghar” by ensuring affordability and financial stability.
Why This Housing Scheme Matters in 2026
The 2026 version of the scheme introduces further improvements to make housing finance more accessible:
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Easier income assessment (including informal earners)
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Faster processing through participating banks
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Fixed markup rates based on income tiers
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Wider participation of Islamic and conventional banks
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Long repayment tenure to reduce monthly burden
This makes the scheme especially helpful for families stuck in rental cycles.
Key Features of SBP Mera Ghar Mera Ashiana Scheme 2026
| Feature | Details |
|---|---|
| Loan Amount | Up to Rs. 10 million |
| Markup Rate | Starts from 2% (income-based) |
| Loan Tenure | Up to 20 years |
| Financing Options | Buy, build, or renovate |
| Collateral | Financed property |
| Eligible Applicants | Salaried, self-employed & informal earners |
| Banks | All SBP-licensed commercial & Islamic banks |
Updated Markup Rates 2026 (Income-Based Tiers)
The markup rate depends on the applicant’s monthly income:
| Tier | Monthly Income | Loan Limit | Fixed Markup |
|---|---|---|---|
| Tier-1 | Up to Rs. 60,000 | Up to Rs. 2.7 million | 2% |
| Tier-2 | Rs. 60,001 – 120,000 | Up to Rs. 6 million | 4% |
| Tier-3 | Above Rs. 120,000 | Up to Rs. 10 million | 6% |
📌 Monthly installments remain fixed, even if market interest rates increase.
Eligibility Criteria for Mera Ghar Mera Ashiana Scheme 2026
To qualify, applicants must meet the following conditions:
Basic Requirements
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Pakistani citizen with valid CNIC
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First-time homebuyer (no existing residential property)
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Age between 25 and 60 years
Income Proof (Any One)
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Salary slips
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Business records
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Bank statements
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Affidavit (for informal earners)
Property Conditions
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Property must be in SBP-approved areas
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Joint applications (e.g., husband & wife) are allowed
Loan Purposes Allowed Under the Scheme
| Purpose | Description |
|---|---|
| Construction | Build a new house on owned land |
| Purchase | Buy a house, flat, or apartment |
| Renovation | Repair or upgrade an existing home |
This flexibility makes the scheme suitable for a wide range of applicants.
How to Apply for SBP Mera Ghar Mera Ashiana Scheme 2026
Applications can be submitted through participating banks.
Step-by-Step Application Process
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Visit a participating bank branch
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Request Mera Ghar Mera Ashiana application form
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Fill in personal, income, and property details
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Attach required documents
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Bank conducts verification
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Receive loan approval and disbursement
Required Documents
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CNIC copy
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Salary slips or income proof
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Bank statements (last 6 months)
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Property ownership or sale agreement
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Recent photographs
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Utility bills (if available)
Partner Banks Offering Housing Finance
All SBP-regulated banks participate, including:
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HBL
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UBL
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National Bank of Pakistan
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Meezan Bank (Islamic financing)
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Bank Alfalah
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MCB
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Allied Bank Limited
Each bank has a dedicated housing finance desk to assist applicants.
How to Check Housing Loan Application Status
Applicants can track their status via:
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Bank branch
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Mobile banking app
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SMS alerts
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Customer care helpline
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SBP housing support desk
Common status updates include:
Under Review · Approved · Disbursed
Benefits of Mera Ghar Mera Ashiana Scheme 2026
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Very low markup compared to market loans
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Long tenure reduces monthly installments
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Government subsidy shields against interest hikes
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Islamic financing options available
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Simple documentation
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Supports national housing and job creation
Final Thoughts
The SBP Mera Ghar Mera Ashiana Scheme 2026 is one of Pakistan’s most important housing initiatives for low and middle-income families. With fixed low markup rates, long repayment periods, and government backing, it offers a realistic path to homeownership.
If you dream of Apna Ghar, this scheme could turn that dream into reality.
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