Mera Pakistan Mera Ghar Scheme is a very good scheme, this scheme is especially for the poor people of Pakistan.This scheme is specifically for those people who do not have their own home.This scheme is the best housing scheme of 2025 so far. Under this scheme, houses would be given to those people who do not have their own houses.Under this scheme, houses of 3 to 5 marla would be given to those who do not have any personal property in their names nor the names of their children.If you want to join this scheme, then the application process is very simple. And the procedure for applying this scheme is as follows

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Who Is Eligible For Mera Pakistan Mera Ghar 2025 Scheme?

Apply for this scheme

🆔 National Identity Card and NICOP are required to join the Mera Pakistan Mera Ghar Scheme 2025.

🏠 Only those people can apply for this scheme who do not own any house and have not previously taken any house or loan under the Mera Pakistan Mera Ghar 2025 Scheme.

🎯 People between the ages of 25 and 60 can apply for the Mera Pakistan Mera Ghar 2025 Scheme.

💼 Only those people with a salary between 25,000 and 50,000 can apply for the Mera Pakistan Mera Ghar 2025 Scheme.

💳 Financing is offered only once per individual under the Mera Pakistan Mera Ghar 2025 Scheme.

👥 This scheme is designed for low-income earners and non-earners.

What Can You Finance?

Borrowers can use the facility for:

🏗️ A loan will be provided for the construction of a house that meets the criteria of this scheme, and it is mandatory to complete the construction within 12 months of receiving the loan.

🏡 Acquiring a plot and building a house from the ground up.

🔧 Extending or renovating an existing home.

Scheme Tiers & Property Size Caps

🏷️ Tier	🏗️ Project Type	📐 Max Size	💰 Max Loan
Tier 0	Non-NAPHDA (Microfinance)	🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft	PKR 2 million ([BoK][1])
Tier 1	NAPHDA	🏠 House ≤ 125 sq yd🏢 Flat ≤ 850 sq ft	PKR 2.7 million
Tier 2	Non-NAPHDA	🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft	PKR 6 million
Tier 3	Non-NAPHDA	🏠 House ≤ 250 sq yd🏢 Flat ≤ 2,000 sq ft	PKR 10 millio

Subsidized Mark-up Rates

🏷️ Tier	📆 Years 1–5	📆 Years 6–10	📆 Years 11–15	📈 Beyond 15 Years
Tier 0	💸 3%	💸 5%	🔄 Assumed	🏦 Bank Rate + KIBOR ([Zameen][1])
Tier 1	💸 2–3%	💸 4–5%	💸 5%	📊 1-Year KIBOR + 2.5%
Tier 2	💸 5%	💸 7%	—	📊 1-Year KIBOR + 4%
Tier 3	💸 7%	💸 9%	—	📊 1-Year KIBOR + 4%

Tenure & Repayment

⏳ You can repay the loan taken under this scheme within 5 to 20 years.

❌💰 No early termination fees, offering added flexibility.

📅 Monthly installments include markup/rental payments and often property insurance or Takaful premiums.

Participating Banks & Application Process For Mera Pakistan Mera Ghar 2025 Scheme

📝 Fill out the form provided by the bank.

📄 Submit the required documents (CNIC, income proof, bank statements, photographs, etc.).

🏠 Submit proof of property eligibility and valuation.

✅ Undergo standard KYC and credit checks.

⏳ Wait for initial approval and disbursement, which may take longer in non-urban regions.

Also Read: CM Punjab Livestock Card Scheme – Phase 2

How to Apply for the Mera Pakistan Mera Ghar 2025 Scheme?

🏦 Visit your nearest bank, such as HBL, UBL, Meezan Bank, Bank Al Habib, Allied Bank, or others.

📝 Fill out the financing form for the Mera Pakistan Mera Ghar Scheme.

📄 Submit the required documents.

📸 Photographs.

🆔 CNIC/NICOP.

💼 Salary slip or income proof.

🏦 Bank statements (last 6 months).

📜 Property documents (title deed, maps, approvals).

 Then, submit the completed form to the bank.

📩 You will receive a response soon.

Who Can Apply For Mera Pakistan Mera Ghar 2025?

🌍 Anyone who is a resident of Pakistan can apply for this scheme.

🏠 To apply for this scheme, the applicant must not have any house previously registered in their name.

🎯 To apply for this scheme, the person must be between 25 and 60 years old.

Minimum Net Monthly Income For Mera Pakistan Mera Ghar 2025:

PKR 25,000 for salaried individuals.

PKR 50,000 for self-employed individuals.

Conclusion:

This scheme is the best scheme of 2025. The aim of this scheme is to help the poor people by providing them with houses.This scheme was launched by Maryam Nawaz and its aim is to enable poor people to build their own houses and it is really beneficial for poor people.This scheme is beneficial for those who do not have large properties and want to own their own homes.