NBP Mera Ghar Mera Ashiana Scheme 2025 – Apply Online & Download Housing Loan Form
The National Bank of Pakistan (NBP) has reintroduced its popular Mera Ghar Mera Ashiana Scheme 2025 to help middle and low-income families in Pakistan own their dream homes. Under this initiative, the government aims to make housing affordable by offering low-interest home loans and easy monthly installments through NBP branches across the country.
If you’re planning to build a new house, buy a flat, or renovate your existing home, this updated NBP scheme is designed for you. In this article, we’ll explain how to apply online, download the loan form, and check eligibility criteria, markup rates, documents required, and repayment plans for 2025.
What is NBP Mera Ghar Mera Ashiana Scheme 2025?
The NBP Mera Ghar Mera Ashiana Scheme is a government-supported housing finance program launched in collaboration with the State Bank of Pakistan (SBP). It enables salaried individuals, self-employed persons, and informal sector workers to buy, build, or renovate a home at subsidized markup rates.
The scheme directly supports the Government of Pakistan’s low-cost housing vision, providing affordable financing options for families who cannot access commercial housing loans.
Key Features of NBP Mera Ghar Mera Ashiana Scheme 2025
Here’s a quick look at what makes this housing scheme ideal for Pakistan’s working-class citizens:
WhatsApp Channel- Low markup rates starting from 3% to 7% annually.
- Long repayment tenure of up to 20 years.
- Financing up to Rs. 10 million depending on property type and location.
- Available for both salaried and self-employed individuals.
- Option to purchase, construct, or renovate an existing house.
- Simplified documentation and verification process.
NBP Housing Loan Categories 2025
| Category | Purpose | Maximum Loan Amount | Markup Rate (Approx.) |
| Tier 1 (T1) | Low-cost housing units (NAPHDA) | Rs. 2.7 million | 3% – 5% |
| Tier 2 (T2) | Non-NAPHDA urban housing | Rs. 6 million | 5% – 7% |
| Tier 3 (T3) | General housing up to 10 million | Rs. 10 million | 7% – 9% |
Eligibility Criteria for NBP Mera Ghar Mera Ashiana Loan 2025
To qualify for the scheme, you must meet the following requirements:
- Pakistani citizen with a valid CNIC.
- Age between 25 and 60 years (for salaried individuals).
- Monthly income not exceeding Rs. 200,000 for Tier 1, Rs. 500,000 for Tier 2.
- First-time homeowner (you should not already own a house).
- Clean credit history with no bank defaults.
Required Documents for Loan Application
Before applying, make sure to have these documents ready:
- Copy of CNIC (applicant and co-applicant, if any).
- Salary slips or income proof (last 3 months).
- Bank statement (last 6 months).
- Property documents or site plan.
- Utility bills for address verification.
- Two passport-size photographs.
How to Apply Online for NBP Mera Ghar Mera Ashiana Scheme 2025
Follow these easy steps to apply through the National Bank of Pakistan official portal:
Step 1: Download the Application Form:
Visit the official NBP website (https://www.nbp.com.pk/Mera-Ghar-Mera-Ashiana/application-form.aspx) and download the Mera Ghar Mera Ashiana Loan Form (PDF).
Step 2: Fill Out the Form:
- Enter your personal details (name, CNIC, contact info).
- Fill in income proof, employment status, and property details.
- Make sure all sections are completed accurately to avoid delays.
Step 3: Attach Required Documents:
- Copy of CNIC (applicant and co-applicant if any)
- Salary slips or proof of income
- Bank statement (last 6 months)
- Property documents or site plan
- Utility bills for address verification
- Passport-size photographs
Step 4: Submit at Your Nearest NBP Branch:
Take the filled form along with documents to the nearest NBP branch.
Step 5: Verification and Property Inspection:
After submission, NBP will verify your documents and may conduct a property inspection. Once approved, your housing loan will be sanctioned, and disbursement will begin according to the scheme rules.
Download NBP Mera Ghar Mera Ashiana Loan Form (PDF)
You can also apply manually by downloading and submitting the loan form at your nearest NBP branch:
- Visit: https://www.nbp.com.pk/Mera-Ghar-Mera-Ashiana/application-form.aspx
- Fill in your personal, income, and property details.
- Attach all required documents.
- Submit to your nearest NBP Housing Finance Officer.
NBP Mera Ghar Mera Ashiana Installment Calculator 2025
To help applicants plan better, NBP offers an online housing loan calculator on its website.
| Loan Amount (PKR) | Tenure (Years) | Markup Rate | Approx. Monthly Installment |
| 2,000,000 | 10 | 3% | Rs. 19,000 |
| 4,000,000 | 15 | 5% | Rs. 32,000 |
| 8,000,000 | 20 | 7% | Rs. 50,000 |
(These are estimated figures. Actual payments depend on final approval and rate.)
Benefits of Applying Through NBP in 2025
- Nationwide coverage through 1,500+ branches.
- Government-backed and fully regulated by SBP.
- Subsidized markup for low and middle-income applicants.
- Faster processing and direct account transfers.
- Zero hidden charges or agent fees.
NBP Customer Support for Housing Loan Inquiries
| Contact Method | Details |
| Helpline | 021-111-627-627 |
| housing.finance@nbp.com.pk | |
| Website | https://www.nbp.com.pk |
| Address | NBP Head Office, I.I. Chundrigar Road, Karachi |
Government’s Vision Behind the Mera Ghar Mera Ashiana 2025
The Government of Pakistan aims to address the country’s housing shortage by helping families who cannot afford commercial home financing. Through this initiative, over 500,000 new homes are expected to be financed by 2026, creating jobs and improving living standards for the working class.
NBP, being one of the largest public sector banks, plays a central role in implementing this vision by making home loans accessible, transparent, and affordable.
Conclusion
The NBP Mera Ghar Mera Ashiana Scheme 2025 is a golden chance for Pakistani families to finally own their dream home with affordable monthly payments and low markup rates. If you meet the eligibility criteria, apply today and start your journey toward a better, secure future.
FAQs about NBP Mera Ghar Mera Ashiana Scheme
1. What is the NBP Mera Ghar Mera Ashiana Scheme 2025?
It’s a government-backed home financing plan offering low markup loans for building, buying, or renovating houses.
2. Who can apply for this scheme?
Both salaried and self-employed individuals who are first-time homeowners and meet income criteria.
3. What is the maximum loan amount available?
Up to Rs. 10 million, depending on category and eligibility.
4. How can I download the loan application form?
You can download it from the NBP official website or visit your nearest NBP branch.
5. What is the markup rate in 2025?
Markup starts from 3% to 7% under the government’s subsidized housing plan.
