Mera Ghar Mera Ashiana Scheme 2026 Government Increases Home Loan Limit to Rs. 10 Million
The Mera Ghar Mera Ashiana Scheme 2026 has received a major update from the Government of Pakistan, making affordable housing finance more accessible for thousands of families. Under the revised scheme, the maximum home loan limit has been increased to Rs. 10 million, while the eligible house size has been expanded from 5 Marla to 10 Marla.
The government has also reduced the fixed markup rate to 5% for all eligible borrowers. These changes are expected to help more people purchase or build their own homes while supporting Pakistan’s housing and construction sector.
Mera Ghar Mera Ashiana Scheme 2026
The Mera Ghar Mera Ashiana Scheme is a government-backed affordable housing finance program introduced to help low and middle-income families own a house through easy financing. The scheme is being implemented through the State Bank of Pakistan (SBP) in partnership with commercial banks, Islamic banks, microfinance banks, and the House Building Finance Company Limited (HBFCL).
To improve access to housing finance, the government has now approved several important changes that make the scheme more beneficial for new applicants.
Also Read: NBP Mera Ghar Mera Ashiana Scheme 2026 Easy Online Apply for Low-Cost Home Financing
What’s New in the Revised Housing Finance Scheme?
The revised version of the scheme offers better financing options than before. The biggest change is the increase in the maximum loan amount from Rs. 3.5 million to Rs. 10 million.
The government has also expanded the eligible house size from 5 Marla to 10 Marla (2,720 square feet). For apartments, the maximum eligible size has been increase from 1,360 square feet to 1,500 square feet.
Another important update is that all eligible borrowers will now pay a fixed markup rate of 5%. Customers who had already received loans at an 8% markup under the previous policy will also have their rate adjusted to 5%, ensuring equal benefits for everyone.
New Loan Limit, House Size and Markup Rate Explained
The revised features of the Mera Ghar Mera Ashiana Scheme 2026 are list below.
| Feature | Revised Details |
|---|---|
| Maximum Loan Amount | Up to Rs. 10 Million |
| Eligible House Size | Up to 10 Marla (2,720 sq. ft.) |
| Eligible Flat Size | Up to 1,500 sq. ft. |
| Fixed Markup Rate | 5% |
| Maximum Loan Tenure | Up to 20 Years |
| Markup Subsidy | First 10 Years |
These improvements make the scheme more suitable for families looking for larger homes while keeping financing affordable.
Who Can Benefit from the Mera Ghar Mera Ashiana Scheme?
The revised scheme is design for individuals and families who want to buy or build their first home through affordable financing.
Applications can be submit through participating financial institutions, including commercial banks, Islamic banks, microfinance banks, and HBFCL. Each bank may have its own eligibility requirements, so applicants should carefully review the financing terms before applying.
The updated loan limit also provides greater flexibility for people who were previously unable to purchase a suitable home under the older financing cap.
Also Read: Mera Ghar Mera Ashiana Scheme 2026 – Apply via UBL Bank for Fastest Loan Approval
Key Features That Remain Unchanged
While several features have been revise, the overall structure of the scheme remains the same.
The loan repayment period is still available for up to 20 years, with the government providing a markup subsidy for the first 10 years. The financing continues under the existing risk-sharing framework, and participating financial institutions will continue processing applications according to the scheme guidelines.
The government has instructed all participating banks to inform customers about the updated features and ensure smooth implementation across the country.
Also Read: Mera Ghar Mera Ashiana Scheme HBL Apply Online for Fast Home Loan Approval 2026
Why the Government Revised the Mera Ghar Mera Ashiana Scheme
The latest changes aim to make home financing easier and more affordable for Pakistani families. By increasing the loan limit, expanding the eligible house size, and lowering the fixed markup rate, the government hopes to encourage home ownership, support the construction industry, and create more economic activity.
People planning to buy or build a house can now benefit from improved financing options under the Mera Ghar Mera Ashiana Scheme 2026. Interested applicants should contact a participating bank to learn about the application process, required documents, and financing eligibility.
Also Read: Mera Ghar Mera Ashiana Scheme 2026 Get Instant Loan Approval via Bank Alfalah
Frequently Asked Questions (FAQs)
1. What is the Mera Ghar Mera Ashiana Scheme 2026?
The Mera Ghar Mera Ashiana Scheme 2026 is a government-backed affordable housing finance program that helps eligible individuals buy or build a home through subsidized financing.
2. What is the new maximum loan limit under the scheme?
Under the revised policy, the maximum home loan limit has been increased to Rs. 10 million, allowing applicants to finance larger housing units.
3. What is the fixed markup rate for borrowers?
The government has introduced a uniform fixed markup rate of 5% for eligible borrowers. Existing customers with an 8% markup under the scheme will also have their rate adjusted to 5%.
4. What size of house is eligible under the updated scheme?
Applicants can now apply for financing for a house of up to 10 Marla (2,720 sq. ft.) or a flat of up to 1,500 sq. ft., according to the revised scheme.
5. Which banks offer financing under the Mera Ghar Mera Ashiana Scheme?
The scheme is available through commercial banks, Islamic banks, microfinance banks (MFBs), and the House Building Finance Company Limited (HBFCL) that participate in the government-backed housing finance program.
Also Read: HBL Mera Ghar Mera Ashiana Scheme 2026 Fastest Loan Approval, Interest Subsidy & Online Apply Guide
