Mera Pakistan Mera Ghar (MPMG) Scheme 2025, The Mera Pakistan Mera Ghar (MPMG) scheme is an important initiative of the Government of Pakistan and a step to help solve the serious housing problems encountered by many families in Pakistan, particularly, low-and middle-income families. Under the Naya Pakistan Housing Program (NPHP), the MPMG scheme aims to provide a variety of housing assistance through a controlled framework that covers financing, backed by regulation.To help with homeownership, the Government of Pakistan in collaboration with commercial banks and microfinance institutions has introduced several housing loan schemes for housing borrowers. These loan schemes include housing loan schemes sponsored by the government, like Mera Pakistan Mera Ghar (MPMG) and Apna Ghar Scheme, as well as other unique housing loan products, including Roshan Apna Ghar for overseas Pakistanis. This guide will provide you with all the things you need to know about the government loan schemes in Pakistan including which loan scheme to choose, eligibility and requirements of the loan scheme, how to apply and required documentation.
Also Read : National Bank of Pakistan https://www.nbp.com.pk/Mera-Pakistan-Mera-Ghar/Apply_Now.aspx Table of Contents
Objectives of the Mera Pakistan Mera Ghar (MPMG) Scheme 2025
The main aim of the MPMG Scheme is to promote home ownership for Pakistani citizens – particularly those that have historically had limited access to the housing market. The MPMG Scheme aims to create the right environment for housing development, encouraging socio-economic uplift and improved standards of living throughout the country. By providing subsidized finance options, the government hopes to make it easier for families to buy their own homes despite the affordability gap that many families are currently grappling with.
Also Read : Mera Pakistan Mera Ghar (MPMG) Scheme 2025 https://merischeme.site/mera-pakistan-mera-ghar-mpmg-scheme-2025/Product features & Benefits of Mera Pakistan Mera Ghar (MPMG) Scheme 2025
| Tiers | Size of Housing Unit | Maximum Price of Housing Unit | Maximum Financing | Rental Rate |
|---|---|---|---|---|
| Tier (T1) (NAPHDA Projects) | House Unit/ Apartment of upto 125 square yards (upto 5 Marla) with covered area of up to 850 square feet. | Rs. 3.5 Million | Rs. 2.7 Million | 5% (fixed) for first 5 years and 7% (fixed) for next 5 years. For loan tenures exceeding 10 years; Bank’s Housing Finance mark rates will be applicable for the period exceeding 10 years. ** Rs 300,000 Subsidy by Government of Pakistan. |
| Tier 2 (T2) (Other Projects) | House Unit/ Apartment of upto 125 square yards (5 Marla) with covered area of up to 850 square feet. | Rs. 3.5 Million | Rs. 3.0 Million | 5% (fixed) for first 5 years and 7% (fixed) for next 5 years. For loan tenures exceeding 10 years; Bank’s Housing Finance mark rates will be applicable for the period exceeding 10 years. |
| Tier 3 (T3) (Other Projects) | House Unit more than 125 square yards up to 250 square yards (10 Marla) or Apartment with covered area from more than 850 square feet to 1,100 square feet | Rs. 6.0 Million | Rs. 5.0 Million | 7% (fixed) for first 5 years and 9% (fixed) for next 5 years. For loan tenures exceeding 10 years; Bank’s Housing Finance mark rates will be applicable for the period exceeding 10 years. |
| Financing Tenure | For 10, 15 and 20 years, depending upon choice of customers. | For 10, 15 and 20 years, depending upon choice of customers. | For 10, 15 and 20 years, depending upon choice of customers. | For 10, 15 and 20 years, depending upon choice of customers. |
Eligibility Criteria for Mera Pakistan Mera Ghar (MPMG) Scheme 2025
| 📂Criteria | ✅Details |
| 📅Age | 20–65 years (varies by bank and scheme) |
| 🏳️Nationality | Pakistani citizens, NRPs with NICOP |
| 📊Income | PKR 25,000/month minimum (varies by bank) |
| 💼Employment | Salaried, business owner, freelancer, NRP |
| 💳First-time Buyer | Required for MPMG, not others |
| 📍Property Location | Must be in Pakistan |
Required Documents for Mera Pakistan Mera Ghar (MPMG) Scheme 2025
| 📝Document | 📌Purpose |
| 🆔CNIC / NICOP | Identity verification |
| 📸Passport-size Photographs | Standard application requirement |
| 📜Income Proof (Salary slips / Bank statement) | Monthly affordability check |
| 📑Property Papers | Sale deed, ownership, or agreement |
| 📜Employment/Business Proof | Job letter or tax/business records |
| 📄Utility Bills | Address verification |
| 📄RDA Details (For NRPs) | For (MPMG) |
👣Loan Application Process, Step-by-Step
- Contact the bank or visit their website
- Prepare your documentation according to your checklist
- Lodge your application (online and at a branch)
- Verification & Credit Assessment
- Property valuation & legal vetting
- Final approval & disbursement
🔍How to Apply Online for Mera Pakistan Mera Ghar (MPMG) Scheme 2025
- Visit the website of your preferred bank
- Go to the MPMG or Housing Finance section
- Fill out the online form with personal and financial details
- Upload scanned documents
- Submit and track your application
List of Banks Offering Mera Pakistan Mera Ghar (MPMG) Scheme 2025 in Pakistan
| Bank Name | Website |
|---|---|
| 🏛️Habib Bank Limited(HBL) | meezanbank.com |
| 🏛️Meezan Bank | hbl.com |
| 🏛️United Bank Limited(UBL) | ubldigital.com |
| 🏛️Bank Islami | bankislami.com.pk |
| 🏛️Askari Bank | askaribank.com.pk |
| 🏛️Bank of Punjab | bop.com.pk |
Main advantages of Mera Pakistan Mera Ghar (MPMG) Scheme 2025
- Low or subsidized markup rates
- Long repayment period
- Encourage you to invest in property
- Special support for low-income households and NRPs
Obstacles and Possibilities of Mera Pakistan Mera Ghar (MPMG) Scheme 2025
The MPMG program is facing challenges, even given its bold targets. Pakistan’s housing sector has not been prioritized, contributing to a limited supply of affordable housing units. There have been legal, structural and regulatory barriers that have stifled progress in building an effective housing ecosystem. Recent reforms focused on improving foreclosure laws and establishing better financial mechanisms are positive measures in the right direction. The establishment of the Pakistan Mortgage Refinance Company (PMRC) provided further improvements to the framework level of housing lending and affordability by creating long-term funding options for mortgage lenders. It also will allow banks to provide more long-term and lower price options for home mortgages and financing.
Conclusion of Mera Pakistan Mera Ghar (MPMG) Scheme 2025
As cities continue to grow and property prices increase, home financing is becoming even more relevant in Pakistan. The diversity of housing loan schemes available now means that anyone, from a salaried employee to an overseas Pakistani, has access to funds, whether that be to buy, build or improve their home.Government-backed options like Mera Pakistan Mera Ghar and Apna Ghar offer affordability. Meanwhile, Roshan Apna Ghar caters to NRPs, and interest-free loans support lower-income families.In response, to assist we offer several housing loans schemes on behalf of the Government of Pakistan and the commercial banks, as well as micro finance institutions in Pakistan.Mera Pakistan Mera Ghar is a state sponsored housing finance program initiated to enable low and middle-class families in Pakistan to purchase or construct their own homes.
What is the Mera Pakistan Mera Ghar (MPMG) Scheme?
The Mera Pakistan Mera Ghar (MPMG) Scheme is a government-backed housing loan program designed to provide affordable home financing for low and middle-income families in Pakistan. It offers subsidized interest rates, flexible repayment terms, and easy eligibility criteria to help citizens buy, build, or renovate their own homes.
Who is eligible for the MPMG housing loan?
Eligibility for the MPMG Scheme includes:
Pakistani citizens with valid CNIC
First-time homeowners (no previous house in their name)
Minimum age: 20 years
Maximum age: 60 years for salaried individuals, 65 years for self-employed
Stable income source to meet repayment requirements
What is the maximum loan amount in the MPMG Scheme?
Tier 1: Up to PKR 2.7 million for NAPHDA projects
Tier 2: Up to PKR 6 million for non-NAPHDA projects
Tier 3: Up to PKR 10 million for larger non-NAPHDA units
How can I apply for the MPMG housing loan?
You can apply for the MPMG Scheme through participating banks such as:
National Bank of Pakistan (NBP)
Habib Bank Limited (HBL)
Meezan Bank
United Bank Limited (UBL)
Allied Bank
The process includes filling out the application form, submitting required documents, and bank assessment.
What documents are required for the MPMG loan application?
Commonly required documents include:
CNIC copy
Salary slip or income proof
Bank statement (last 6 months)
Property documents
Two passport-size photographs
Proof of residence
Can overseas Pakistanis apply for Mera Pakistan Mera Ghar?
Yes, Non-Resident Pakistanis (NRPs) are eligible to apply under the MPMG Scheme. They can apply online through participating banks with additional requirements like remittance proof and foreign income documents.
