Mera Ghar Mera Ashiana Scheme 2026 – Get Fast Home Loan Approval via HBL with Low Markup & Easy Terms
What is the Mera Ghar Mera Ashiana Scheme 2026?
The Mera Ghar Mera Ashiana Scheme 2026 is a government-backed housing initiative launched in collaboration with Habib Bank Limited (HBL) and the State Bank of Pakistan (SBP). The scheme aims to make home ownership affordable and accessible for low- and middle-income families across Pakistan.
Through this program, citizens can apply for low-markup home loans with flexible repayment options and quick approval — helping thousands turn their dream of owning a house into reality.
Whether you plan to build, buy, or renovate your home, the Mera Ghar Mera Ashiana Scheme offers secure financing with easy installment plans, transparent processing, and subsidized interest rates.
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Key Features – Low Markup, Fast Approval & Easy Repayment Plans
This scheme is specially designed to ease the financial burden for families seeking housing finance. Here are its main highlights:
- Low Markup Rates: Starting from 5%, making it highly affordable.
- Fast Loan Approval: Simplified digital process through HBL’s online portal.
- Flexible Repayment Tenure: Pay back the loan in up to 20 years.
- No Hidden Charges: Transparent terms under State Bank of Pakistan supervision.
- Available for Multiple Purposes: Home construction, purchase, or renovation.
- Inclusive Eligibility: Open to salaried employees, business owners, and first-time homeowners.
- Government Subsidy: Partial interest cost is covered under the “Mera Pakistan Mera Ghar” initiative.
With these features, the scheme ensures affordability, convenience, and financial security for every Pakistani family.
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Eligibility Criteria for Applicants
To apply for the Mera Ghar Mera Ashiana home loan via HBL, applicants must meet the following eligibility conditions:
| Category | Requirement |
| Nationality | Must be a Pakistani citizen with a valid CNIC |
| Age Limit | 25 to 60 years for salaried individuals; up to 65 years for business owners |
| Employment Type | Salaried, self-employed, or small business owner |
| Income Range | Minimum verifiable income of Rs. 30,000 per month |
| Home Ownership | Must not already own a house (for subsidized category) |
| Property Type | Residential plot, apartment, or house located in Pakistan |
| Credit Record | No major defaults or negative credit history |
Women and widows are especially encouraged to apply — HBL provides priority processing and dedicated support for female applicants.
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Step-by-Step Guide to Apply Online via HBL Portal
The online application process is simple and user-friendly. Here’s how to apply through HBL’s official website:
- Visit the HBL Mera Ghar Mera Ashiana Portal: Go to https://www.hbl.com/mera-ghar.
- Click on “Apply Now.”
- Register using your CNIC and mobile number.
- Select Loan Type: Choose between Home Construction, Home Purchase, or Home Renovation.
- Enter Personal Information: Fill in details about income, property, and employment.
- Upload Documents: Attach CNIC, proof of income, and property documents (PDF or image format).
- Submit the Application and note your tracking number for future updates.
HBL usually reviews applications within 30–45 working days and contacts eligible applicants for verification or site visits.
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Required Documents for Loan Application
Before applying, make sure you have the following documents ready:
- CNIC (front and back)
- Recent passport-size photographs
- Proof of income (salary slip or business statement)
- Bank statement (last 6 months)
- Property papers or sale agreement
- Utility bill (electricity, gas, or water)
- Employer certificate or business registration proo
- Tax return or NTN (if applicable)
Pro Tip: Upload clear scanned copies and ensure all documents are up-to-date to avoid delays.
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Loan Limits, Interest Rates & Repayment Tenure Details
The Mera Ghar Mera Ashiana Scheme 2026 offers flexible loan packages to suit every household’s financial capacity.
| Category | Loan Amount | Markup Rate (Fixed) | Repayment Period |
| Home Construction / Purchase | Up to Rs. 10 Million | 5% – 7% | Up to 20 Years |
| Home Renovation | Up to Rs. 2 Million | 6% | Up to 5 Years |
- Grace Period: Up to 6–12 months (depending on loan type)
- Early Repayment: No penalties
- Government Subsidy: Available under SBP housing finance policy
These terms make home ownership affordable, predictable, and stress-free.
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Benefits of Applying Through HBL Bank
HBL, one of Pakistan’s most trusted banks, offers several unique advantages for applicants under the Mera Ghar Mera Ashiana Scheme:
- Nationwide Branch Network: Apply from anywhere in Pakistan.
- Dedicated Housing Finance Desk: Professional assistance from loan experts.
- Online Tracking: Check your application status anytime.
- Digital Documentation: No lengthy paperwork required.
- Fast Processing: Priority handling for eligible applicants.
- Islamic Banking Option: Shariah-compliant financing available.
With HBL’s technology-driven approach and customer support, you can enjoy a seamless and transparent loan experience.
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Conclusion
The Mera Ghar Mera Ashiana Scheme 2026 is more than just a loan program — it’s a gateway to home ownership for thousands of Pakistani families.
With low markup, long repayment plans, and government-backed security, it ensures that building or buying your own home is no longer out of reach.
If you’re ready to take the next step, apply through HBL’s official portal today, upload your documents, and begin your journey toward a safe, stable, and happy home — your own Ashiana.
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