The NBP Mera Ghar Mera Ashiana Scheme 2025 is a government-backed initiative designed to help middle and low-income families in Pakistan achieve the dream of owning a home. This housing finance program, offered by the National Bank of Pakistan (NBP) in collaboration with the State Bank of Pakistan (SBP), provides affordable home loans with low markup rates and easy monthly installments.
Whether you want to build a new house, buy a flat, or renovate an existing property, this scheme ensures access to financial support with simplified procedures.
What is the NBP Mera Ghar Mera Ashiana Scheme 2025?
The NBP Mera Ghar Mera Ashiana Scheme is part of Pakistan’s low-cost housing initiative aimed at addressing the housing shortage in the country. By offering subsidized loans to eligible citizens, the government hopes to make housing more accessible to families who cannot afford commercial financing.
This scheme targets salaried individuals, self-employed persons, and workers in the informal sector, providing them with opportunities to purchase, construct, or renovate homes with favorable terms.
Key Features of the Housing Loan
The NBP Mera Ghar Mera Ashiana Scheme 2025 comes with a range of benefits designed for Pakistani families:
- Low markup rates: Starting from 3% to 7% annually.
- Flexible repayment: Tenure of up to 20 years.
- Loan amounts: Up to Rs 10 million, depending on property type and location.
- Eligibility: Available for both salaried and self-employed individuals.
- Versatility: Loans can be used to buy, construct, or renovate homes.
- Simplified process: Minimal documentation and straightforward verification.
NBP Housing Loan Categories 2025
The scheme offers three main categories of loans:
| Category | Purpose | Maximum Loan | Markup Rate |
| Tier 1 (T1) | Low-cost housing units (NAPHDA) | Rs 2.7 million | 3% – 5% |
| Tier 2 (T2) | Non-NAPHDA urban housing | Rs 6 million | 5% – 7% |
| Tier 3 (T3) | General housing | Rs 10 million | 7% – 9% |
These categories allow applicants to select the loan plan that best fits their financial capacity and housing needs.
Eligibility Criteria for NBP Mera Ghar Mera Ashiana Loan 2025
To qualify for the scheme, applicants must meet the following conditions:
- Pakistani citizen with a valid CNIC.
- Age between 25 and 60 years (for salaried individuals).
- Monthly income not exceeding Rs 200,000 for Tier 1 and Rs 500,000 for Tier 2.
- First-time homeownership (no existing property ownership).
- Clean credit history with no bank defaults.
Ensuring these criteria are met will improve the chances of loan approval and timely disbursement.
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Required Documents for Loan Application
Before applying, applicants should prepare the following documents:
- CNIC copies of the applicant and co-applicant (if any).
- Salary slips or proof of income for the last three months.
- Bank statement covering the last six months.
- Property documents or site plan.
- Utility bills for address verification.
- Two recent passport-size photographs.
Having these documents ready ensures a smooth and hassle-free application process.
How to Apply Online for NBP Mera Ghar Mera Ashiana Scheme 2025
Follow these steps to submit your application online:
- Download the Application Form: Visit the official NBP website and download the loan form in PDF format.
- Fill Out the Form: Complete personal, income, employment, and property details accurately.
- Attach Required Documents: Include CNIC copies, salary slips, bank statements, property documents, utility bills, and photographs.
- Submit at NBP Branch: Take the completed form and documents to the nearest NBP branch.
- Verification & Property Inspection: NBP will verify your documents and may inspect the property. Approved loans are then disbursed as per the scheme rules.
You can also use the NBP online installment calculator to plan your monthly repayments efficiently.
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Loan Repayment and Monthly Installments
The repayment plan under the scheme is designed to be manageable for applicants. Here’s an example of approximate monthly installments:
| Loan Amount | Tenure | Markup Rate | Approx. Monthly Installment |
| Rs 2,000,000 | 10 years | 3% | Rs 19,000 |
| Rs 4,000,000 | 15 years | 5% | Rs 32,000 |
| Rs 8,000,000 | 20 years | 7% | Rs 50,000 |
Note: Actual payments may vary depending on final approval and interest rates.
Benefits of Applying Through NBP
- Nationwide coverage through over 1,500 branches.
- Government-backed and regulated by SBP.
- Subsidized markup rates for low and middle-income families.
- Quick processing and direct bank transfers.
- Zero hidden charges or agent fees.
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Government’s Vision Behind the Scheme
The NBP Mera Ghar Mera Ashiana Scheme 2025 aligns with the Government of Pakistan’s goal to reduce the housing shortage and provide affordable homes. NBP plays a central role in making housing finance transparent, accessible, and efficient.
By 2026, over 500,000 new homes are expected to be financed under this initiative, boosting employment and improving living standards for families across the country.
FAQs – NBP Mera Ghar Mera Ashiana Scheme 2025
What is the NBP Mera Ghar Mera Ashiana Scheme 2025?
It’s a government-supported housing finance program offering low markup loans to build, buy, or renovate homes.
Who can apply for this scheme?
Salaried and self-employed individuals who are first-time homeowners and meet income eligibility criteria.
What is the maximum loan amount available?
Loans are available up to Rs 10 million, depending on the category and property type.
How can I download the loan application form?
You can download it from the official NBP website or visit your nearest NBP branch.
What markup rates apply in 2025?
Markup rates start from 3% to 7% under this subsidized housing scheme.
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Conclusion
The NBP Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for Pakistani families to own their dream homes with affordable monthly installments and low-interest rates. By offering easy access to housing finance, this scheme supports middle and low-income households in achieving financial stability and improving living conditions.
Eligible applicants should prepare their documents, apply online or at NBP branches, and take advantage of this government-backed initiative to secure a better future.