Own Your First Home - Introducing the Mera Ghar, Mera Ashiana Scheme

Are you dreaming of owning your own home? The Government of Pakistan's (GOP) Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance, also known as Mera Ghar, Mera Ashiana (My Home, My Nest), is designed to make that dream a reality for first-time homeowners.

This exciting scheme helps you get housing finance with incredibly low, fixed interest rates and requires a minimal upfront down payment. If you are a Pakistani citizen who doesn't currently own any property, this is your chance to buy or build your first house or apartment.

Why Choose the Mera Ghar, Mera Ashiana Scheme?

This scheme is focused on affordability and ease of access for first-time buyers. Here are the key benefits you'll enjoy:

• Lowest Fixed Rates: Secure your loan with highly subsidized fixed rates as low as 5% for the first 10 years, protecting you from future market rate increases.

• Minimal Down Payment: Get up to 90% financing for the property value. This means you only need to arrange a 10% down payment (equity).

• Worry-Free Borrowing: We've waived the usual costs! You'll pay no processing fee and face no prepayment penalty if you decide to pay off your loan early.

• Long-Term Security: Take up to 20 years to repay the loan, making the monthly installments manageable.

• Wide Property Coverage: Use the loan to purchase a ready-made house/flat, construct a house on your existing plot, or even buy a plot and build your home on it.

Key Features & Pricing Tiers

The scheme offers two tiers of financing based on your required loan amount.

Subsidized Pricing

The Government of Pakistan pays the difference between the bank's actual rate and your subsidized rate for the first 10 years, making your monthly payments significantly lower.

Do You Qualify? Eligibility Criteria

The Mera Ghar, Mera Ashiana scheme is specifically for citizens of Pakistan who are first-time property owners.

Ready to Apply?

This scheme is a limited-time opportunity to benefit from government support and achieve financial stability through homeownership. Our dedicated team is here to guide you through the simple application process.

Don't wait! Only 50,000 first-time homeowners will benefit in FY2025-26. Visit your nearest MCB Bank branch or call 111-000-622 today!