NBP Mera Ghar Mera Ashiana Scheme 2025 – Apply Online & Download Housing Loan Form. If you’re searching for an affordable way to build or buy your dream home in Pakistan, the NBP Mera Ghar Mera Ashiana Scheme 2025 is one of the most reliable and government-backed options available. With low markup rates, flexible repayment plans, and simplified documentation, this housing finance program helps thousands of families secure their own home.
This guide explains everything how to apply online, eligibility, markup rate, loan limits, NBP loan form PDF, and the complete 2025 process.
What Is NBP Mera Ghar Mera Ashiana Scheme 2025?
The National Bank of Pakistan (NBP) has relaunched the Mera Ghar Mera Ashiana Scheme in 2025 to support Pakistan’s low and middle-income families. Backed by the State Bank of Pakistan (SBP) and aligned with the government’s low-cost housing mission, the scheme provides:
- Subsidized home loans
- Long repayment tenure
- Easy monthly installments
- Financing for purchase, construction, and renovation
It is designed to make homeownership accessible even for individuals who cannot qualify for traditional commercial loans.
Key Features of NBP Mera Ghar Mera Ashiana Scheme 2025
Here’s what makes this scheme one of the best housing finance options in Pakistan:
Low Markup Rates (Starting from 3%)
The government provides subsidy support, keeping markup rates between 3% to 7%, depending on the loan tier.
Long Tenure — Up to 20 Years
Borrowers can pick flexible repayment plans from 5 to 20 years.
High Financing Limit — Up to Rs. 10 Million
Loan amount depends on your tier and property type.
Available for Salaried & Self-Employed Persons
Perfect for government employees, private workers, business persons, and freelancers.
Option for Purchase, Construction & Renovation
You can buy a house, build a new home, or improve your current property.
Simple Documentation
NBP ensures a smooth and transparent verification process.
NBP Housing Loan Categories 2025 (Updated)
Below is the updated breakdown of loan tiers for 2025:
| Category | Purpose | Maximum Loan Amount | Markup Rate (Approx.) |
|---|---|---|---|
| Tier 1 (T1) | Low-cost housing (NAPHDA units) | Rs. 2.7 million | 3% – 5% |
| Tier 2 (T2) | Non-NAPHDA urban housing | Rs. 6 million | 5% – 7% |
| Tier 3 (T3) | General housing | Rs. 10 million | 7% – 9% |
Eligibility Criteria for NBP Mera Ghar Mera Ashiana 2025
To qualify, applicants must meet the following requirements:
Basic Requirements
- Must be a Pakistani citizen
- Must hold a valid CNIC
- Age limit for salaried persons: 25–60 years
- Age limit for self-employed persons: up to 65 years
Income Requirements
- Tier 1 income limit: up to Rs. 200,000 per month
- Tier 2 income limit: up to Rs. 500,000 per month
Housing Requirement
- Applicant should be a first-time homeowner
Credit History
- No major bank defaults
- Clean and verifiable credit record
Required Documents for Application
Make sure you prepare the following documents before applying:
- Copy of CNIC (applicant & co-applicant)
- Salary slips (last 3 months) or income proof
- Bank statement (last 6 months)
- Property documents or site plan
- Utility bill for address verification
- Two passport-size photographs
How to Apply Online for NBP Mera Ghar Mera Ashiana Scheme 2025
Here is the complete step-by-step method to apply online:
Step 1: Download the Official Application Form
Visit the official NBP housing portal and download the Mera Ghar Mera Ashiana Loan Form (PDF).
Step 2: Fill Out the Loan Application Form
Add the following details:
- Personal information
- Employment status
- Monthly income
- Property details
- Co-applicant details (optional)
Make sure the form is complete and accurate to avoid delays.
Step 3: Attach Required Documents
Combine the filled form with:
- CNIC copies
- Income/salary proof
- Bank statements
- Property papers
- Photos
Step 4: Submit Application at Nearest NBP Branch
Visit your nearest NBP Housing Finance Desk and submit your file.
Step 5: Verification & Property Inspection
NBP will:
- Verify your documents
- Inspect property
- Check your credit history
Once approved, your loan amount is sanctioned, and disbursement begins.
NBP Mera Ghar Mera Ashiana Loan Form (PDF)
If you prefer applying manually, download the form, attach documents, and submit at the nearest branch. The form includes:
- Personal profile
- Financial details
- Employment data
- Property information
- Declaration section
NBP Installment Calculator 2025
Here are estimated monthly installment examples for 2025:
| Loan Amount | Tenure | Markup | Approx. Installment |
|---|---|---|---|
| Rs. 2,000,000 | 10 years | 3% | Rs. 19,000 |
| Rs. 4,000,000 | 15 years | 5% | Rs. 32,000 |
| Rs. 8,000,000 | 20 years | 7% | Rs. 50,000 |
Actual numbers vary based on final approval and markup rate.
Benefits of Applying Through NBP in 2025
Nationwide Branch Network
NBP has 1,500+ branches for countrywide accessibility.
Government-Backed Subsidy
Ensures transparency, fairness, and low markup.
Zero Hidden Charges
No agent fees, no undisclosed payments.
Fast Loan Processing
NBP’s digital verification speeds up approvals.
NBP Customer Support for Housing Loan Help
| Contact Method | Details |
|---|---|
| Helpline | 021-111-627-627 |
| housing.finance@nbp.com.pk | |
| Website | nbp.com.pk |
| Head Office | I.I. Chundrigar Road, Karachi |
Government’s Vision Behind Mera Ghar Mera Ashiana 2025
Pakistan faces a major housing shortage, especially among low-income families. The government aims to finance 500,000+ new homes by 2026, boosting employment, construction activity, and economic growth.
NBP plays a key role by offering accessible, fair, and affordable home loans nationwide.
FAQs
1. Who is eligible for the NBP Mera Ghar Mera Ashiana Scheme?
Any Pakistani citizen with valid CNIC, stable income, and no home ownership can apply.
2. Can I apply online for the NBP housing loan?
Yes, applicants can download the form online and visit the NBP branch for submission.
3. What is the minimum income requirement?
Income varies by tier, starting from Rs. 30,000–50,000 per month.
4. Is the markup rate fixed?
Markup rate depends on the government subsidy and NBP’s lending policy.
5. Can I renovate my existing house under this scheme?
Yes, renovation and home improvement loans are available.
6. What is the maximum loan limit in 2025?
Up to Rs. 10 million under Tier 3.
7. How long is the loan repayment tenure?
Between 5 to 20 years, depending on the loan category.
Conclusion
The NBP Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for anyone dreaming of owning a home with affordable monthly installments and low markup rates. Whether you want to build, buy, or renovate, NBP provides one of the most trusted housing finance solutions in Pakistan.
