Mera Ghar Mera Ashiana Loan Scheme 2026: Eligibility, Loan Amount & Online Apply
Quick Answer
Mera Ghar Mera Ashiana was the former name of the federal government’s affordable housing finance scheme. In 2026, it was renamed Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna. The updated scheme provides subsidized housing finance of up to Rs. 10 million for eligible first-time homeowners, with financing available for buying or constructing a home.
The Government of Pakistan originally launched the Mera Ghar–Mera Ashiana Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance in September 2025. The State Bank of Pakistan later issued a circular confirming that the scheme was renamed Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna following a Ministry of Housing and Works notification dated March 26, 2026.
This means people searching for Mera Ghar Mera Ashiana 2026 are generally looking for the same affordable housing finance programme under its updated name.
How Much Home Financing Is Available?
The financing limit was increased in March 2026. Eligible applicants can now receive financing of up to:
PKR 10 million (Rs. 1 crore)
The updated scheme also expanded the eligible house size from the original 5 Marla limit to up to 10 Marla, while eligible flats can be up to 1,500 square feet according to participating-bank programme details.
Main Features
| Feature | Current Details |
|---|---|
| Current programme name | Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna |
| Former name | Mera Ghar–Mera Ashiana |
| Maximum financing | Up to Rs. 10 million |
| Target applicants | First-time homeowners |
| Maximum house size | Up to 10 Marla / 2,720 sq. ft. |
| Maximum flat size | Up to 1,500 sq. ft. |
| Maximum tenor | Up to 20 years |
| Subsidized pricing | 5% for first 10 years |
| Financing share | Up to 90% |
| Applicant contribution | Generally 10% |
| Processing cost | No processing cost under scheme terms |
| Prepayment penalty | No prepayment penalty under scheme terms |
The exact financing offer and documentation can vary between participating financial institutions.
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Who Can Apply?
The basic eligibility condition is that the applicant must be a Pakistani citizen with a valid CNIC and a first-time homeowner.
The applicant must not already own a housing unit in their name under the programme’s eligibility criteria.
Basic eligibility checklist
- Pakistani citizen
- Valid CNIC
- First-time homeowner
- Applicant does not already own a housing unit
- Able to demonstrate repayment capacity
- Meets the participating bank’s documentation and credit requirements
Being eligible for the government housing programme does not automatically mean a bank must approve the financing. The participating financial institution still conducts its normal credit and income assessment.
What Can the Financing Be Used For?
The programme supports several housing purposes.
1. Purchase a House
You can use the financing to purchase an eligible residential house.
2. Purchase a Flat or Apartment
Eligible applicants can also finance the purchase of a qualifying apartment or flat.
3. Construct a House on Your Own Plot
If you already own a suitable plot, financing can be used for construction.
4. Purchase a Plot and Construct a House
The programme also covers purchase of a plot followed by construction of a residential house, subject to the applicable terms.
What Is the Interest or Markup Rate?
The updated programme offers a 5% customer pricing rate for the first 10 years under the current structure reported by participating financial institutions. After the subsidized period, the applicable pricing can change according to the programme and financing agreement. Standard Chartered’s current programme information, for example, lists 1-year KIBOR + 3% for the period after the first 10 years. So it is better not to describe the entire 20-year financing as permanently “5%.”
How Much Equity Do I Need?
The scheme provides financing of up to 90% of the property value, which means the applicant generally contributes the remaining 10% equity.
For example, if an eligible property costs Rs. 5 million and the bank finances 90%, the financing could be up to Rs. 4.5 million, with the remaining Rs. 500,000 coming from the applicant. The actual amount depends on the bank’s assessment and the property’s valuation.
Housing Size Limit
The original 2025 scheme covered houses up to 5 Marla and flats up to 1,360 square feet. The scheme was subsequently expanded in 2026.
Current programme information lists:
- House: up to 10 Marla or 2,720 square feet
- Flat/apartment: up to 1,500 square feet
This change is one reason older articles about Mera Ghar Mera Ashiana may show different limits.
Documents You May Need
The exact document list depends on your employment type and the financial institution you choose. Common requirements can include:
- Valid CNIC
- Salary slip or proof of income
- Bank statements
- Employment letter, where applicable
- Property documents
- Ownership documents for an existing plot
- Construction estimates for construction cases
- Other documents requested during the bank’s verification
For example, participating-bank documentation lists CNIC and income/employment evidence among the application requirements.
How to Apply for Mera Ghar Mera Ashiana / Apna Ghar
Because the programme has been renamed, applicants should search for and apply under the current name:
Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna
The application route depends on the participating financial institution.
Step 1: Choose a Participating Bank
The programme is offered through participating financial institutions, including commercial banks, Islamic banks, microfinance banks and HBFCL under the scheme framework.
Step 2: Check Your Eligibility
Confirm that you are a first-time homeowner and meet the programme’s housing and financing requirements.
Step 3: Prepare Income and Property Documents
Keep your CNIC, income evidence and relevant property documents ready.
Step 4: Submit the Housing Finance Application
Apply through the participating bank’s current application channel or visit its branch.
Step 5: Property and Credit Assessment
The bank will review your income, repayment capacity and property documents before making a financing decision.
Step 6: Approval and Disbursement
If approved, financing is processed according to the bank’s housing finance agreement and the applicable government programme terms.
Can Existing Homeowners Apply?
The programme is intended for first-time homeowners. The official scheme criteria state that the applicant should be a Pakistani citizen holding a CNIC and should not already own a housing unit in their name.
Therefore, simply wanting to purchase a second property does not meet the basic first-time-homeowner condition.
Is There a Processing Fee?
The scheme terms specify no processing cost and no prepayment penalty. However, applicants should distinguish the scheme’s processing-cost policy from other costs that can arise during a property transaction or financing process, such as applicable legal, valuation, insurance or documentation expenses.
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Important: Old and New Scheme Names
If you search online, you may find both names:
Old name: Mera Ghar–Mera Ashiana
Current name: Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna
The State Bank of Pakistan officially confirmed the renaming in April 2026. Banks and other participating institutions were instructed to use the revised name in official correspondence and advertisements.
Common Mistakes to Avoid
Before applying, avoid these mistakes:
- Assuming Rs. 10 million is guaranteed to every applicant.
- Applying when you already own a housing unit.
- Using outdated information showing the old 5 Marla limit.
- Assuming the 5% rate applies for the entire 20-year tenor.
- Applying through an unofficial website or agent.
- Submitting incomplete income or property documents.
- Assuming government subsidy means the bank will automatically approve the application.
Frequently Asked Questions
Is Mera Ghar Mera Ashiana still available in 2026?
The programme continues under its revised name, Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna. The State Bank of Pakistan officially confirmed the name change in April 2026.
What is the new name of Mera Ghar Mera Ashiana?
Its new official name is Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna.
Who is eligible for the programme?
Pakistani citizens with valid CNICs who are first-time homeowners and do not already own a housing unit in their name can apply, subject to the participating institution’s assessment.
What type of property can I finance?
The programme can cover purchase of a house or flat, construction on an already owned plot, and purchase of a plot followed by construction, subject to the applicable terms.
Is the Mera Ghar Mera Ashiana loan interest-free?
No. It is a government-subsidized housing finance programme, not a zero-cost loan. Current programme information lists customer pricing of 5% for the first 10 years.
Can I get Rs. 10 million even if my income is low?
The Rs. 10 million figure is the maximum financing limit, not an automatic payment. The bank assesses income, repayment capacity, property value and other requirements before approving the financing.
Do I need to pay 10% of the property price myself?
The scheme allows financing of up to 90% of the property value, so the applicant generally needs to arrange the remaining 10% as equity, subject to the bank’s assessment.
Final Thoughts
The Mera Ghar Mera Ashiana name is still widely searched, but applicants should now know the programme by its official 2026 name, Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna. The updated scheme has expanded the maximum financing to Rs. 10 million and increased the eligible house size to 10 Marla.
If you are a first-time homeowner, check the current terms with a participating bank, prepare your income and property documents, and compare the available financing structure before submitting an application.
