Affordable Housing Loan Scheme 2025 – Easy Financing for Low-Income Families
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The federal government of Pakistan has officially announced the Affordable Housing Loan Scheme 2025, a landmark initiative designed to support low-income and middle-income families in building or purchasing their own homes. With property prices skyrocketing in recent years, this scheme provides much-needed relief by offering subsidized loans, easy repayment options, and long-term financing plans.
The new initiative, named “Mera Ghar – Mera Ashiana,” has been rolled out in collaboration with the State Bank of Pakistan (SBP), Housing Building Finance Corporation (HBFCL), commercial banks, and microfinance banks (MFBs).
Why the Affordable Housing Loan Scheme 2025 Matters
Pakistan has been facing a housing affordability crisis for years. Rising property prices, speculative investments, and lack of regulation have made homeownership nearly impossible for middle and low-income families.
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In cities like Karachi, Lahore, and Islamabad, even a small house can cost over Rs 10 million.
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The scheme aims to make 5 Marla houses and small apartments (up to 1,360 sq. ft.) affordable.
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The government’s focus is on ensuring first-time homebuyers have access to financing at low markup rates.
This policy shift is being hailed as one of the biggest pro-poor housing initiatives in recent years.
Key Features of the Affordable Housing Loan Scheme 2025
The scheme has been carefully designed to meet the needs of low-income buyers:
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Loan Amount: Up to Rs 3.5 million
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Property Size Limit: Houses up to 5 Marla or flats/apartments up to 1,360 sq. ft. (120 sq. yards)
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Loan Tenure: Up to 20 years
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Two Financing Tiers:
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Tier 1: Loans up to Rs 2 million at 5% markup (fixed)
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Tier 2: Loans from Rs 2m – Rs 3.5m at 8% markup (fixed)
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Subsidy Period: Subsidized markup for the first 10 years
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No Processing Fees or Prepayment Penalties
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Loan-to-Value Ratio: 90:10 (Government covers 10% portfolio risk on a first-loss basis)
Eligibility Criteria for Applicants
To apply for the Affordable Housing Loan Scheme 2025, applicants must meet the following requirements:
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Must be a Pakistani citizen.
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Should be a first-time homebuyer.
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Must not own any residential property in their name.
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Financing can be availed for:
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Buying a ready house or flat.
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Constructing a house on an existing plot.
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Purchasing a plot followed by construction.
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How to Apply for the Loan Scheme
Applicants can apply through the official partner banks and financial institutions. The process involves:
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Visiting the nearest bank branch or HBFCL office.
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Submitting a duly filled loan application form.
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Providing CNIC, income proof, and property documents.
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Selection of property under the scheme criteria.
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Loan disbursement after approval and verification.
📌 The State Bank has directed all participating institutions to ensure transparency and efficiency in processing applications.
Impact of the Scheme on Housing and Economy
The Affordable Housing Loan Scheme 2025 will not only benefit individual families but also strengthen the economy:
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Increased Homeownership: Makes it possible for thousands of low-income families to own a house.
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Construction Sector Growth: Boosts real estate, construction, and allied industries.
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Job Creation: Generates employment opportunities in housing projects.
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Financial Inclusion: Expands access to credit for underserved communities.
Conclusion
The launch of the Affordable Housing Loan Scheme 2025 under Mera Ghar – Mera Ashiana is a historic step to ease Pakistan’s housing crisis. By offering loans up to Rs 3.5 million with low markup rates and easy terms, the government has opened the doors of homeownership for thousands of families.
👉 If you are a first-time homebuyer, this is the right time to apply and secure your dream home under the government’s affordable housing plan.
