The Mera Ghar Mera Ashiana Scheme 2025 by the National Bank of Pakistan (NBP) aims to help low-income and middle-income families purchase or construct their own home with easy installments, low markup, and simplified documentation.
Use this checklist guide to understand eligibility, documents, application steps, loan features, and the approval process.
1. Eligibility Checklist
- Applicant must be a Pakistani citizen
- Age should be between 25 and 60 years
- Salaried individuals must have a stable monthly income
- Business individuals must have at least 2 years of business record
- First-time homeowner preferred
- Property should be within approved urban or semi-urban areas
- Applicant should not already have a government-subsidized housing loan
- Applicant’s income proof must match the loan requirement
- Applicant must meet the NBP credit score and risk criteria
2. Property Requirements Checklist
- Property must be legally verified
- Property should not be under litigation
- Property must have clear land ownership records
- House size must fall under the scheme limits
- Property must be within NBP’s approved location list
- Construction must follow building by-laws
- Map/drawing must be approved by authorities (for under-construction homes)
3. Loan Amount & Features Checklist
- Minimum loan amount starts from Rs. 500,000
- Maximum loan amount varies by income category
- Loan tenure available up to 20 years
- Low markup rate under government subsidy (varies by tier)
- Affordable monthly installments
- Option for purchase, construction, or extension
- No hidden charges
- Processing time 15–30 days (case dependent)
4. Required Documents Checklist
For Salaried Persons
- CNIC (copy)
- Two recent passport-size photos
- Latest salary slip (last 3 months)
- Employer certificate
- Bank statement (last 6 months)
- Utility bill (address verification)
For Business Persons
- CNIC (copy)
- 2 passport-size photos
- NTN number or tax returns
- Business proof (license, registration, letterhead, etc.)
- Bank statement (last 12 months)
- Income declaration certificate
Property Documents
- Allotment letter
- Registry / Transfer letter
- Fard / Ownership proof
- Approved building map
- Property valuation report
- Seller CNIC copy (for purchase)
5. Application Process Checklist
- Visit the nearest National Bank of Pakistan branch
- Ask for Mera Ghar Mera Ashiana Scheme 2025 application form
- Fill out the housing loan form
- Attach all required documents
- Submit income proof and bank statements
- Provide property details for verification
- Bank will start credit evaluation
- Bank will conduct property valuation
- Bank will issue an approval or rejection letter
- After approval, sign the loan agreement
- Bank will disburse the loan amount
6. Verification & Approval Checklist
- Bank verifies identity through NADRA
- Employment or business verification
- Bank checks credit history
- Property documents legal verification
- Market value assessment of property
- Final risk assessment
- Approval after meeting all criteria
7. Payment & Installment Checklist
- Monthly installment based on loan tenure
- Installment deducted automatically via bank account
- No late payment recommended
- Option to pay early to reduce markup
- Keep track of payment receipts
- Maintain sufficient balance before the due date
8. Tips for Faster Approval Checklist
- Submit complete documents
- Ensure the bank statement is clean
- Avoid unnecessary loans before applying
- Choose property with clear documentation
- Respond quickly to bank queries
- Maintain a good banking relationship
Conclusion
The NBP Mera Ghar Mera Ashiana Scheme 2025 is a powerful opportunity for Pakistanis who want to fulfill their dream of owning a home with easy installments and low markup.
Use this complete checklist guide to prepare your application and increase your chances of fast approval.
