Pakistan Housing Finance 2026 Updated Scheme Guide
Mera Ghar Mera Ashiana Scheme 2026 by Sindh Bank
A complete guide to eligibility, markup, loan limits, participating banks, and how to apply in Pakistan.
Quick scheme snapshot
Loan Limit
Rs10M
Reported update
Markup
5%
End-user rate
Tenure
20 Years
Repayment period
Structure
Shariah
Diminishing Musharakah
Target buyer
First Home
First-time home buyers
Minimum income
Rs40,000
Listed by bank
Financing mode
90:10
Loan-to-value ratio
Charges
No Fee
No processing cost listed
Pakistan’s housing finance market has become more accessible through the Mera Ghar – Mera Ashiana scheme. Sindh Bank offers the product through a Shariah-compliant structure for first-time home buyers.
What is Mera Ghar Mera Ashiana?
Mera Ghar – Mera Ashiana is a housing finance scheme designed to help eligible Pakistanis buy or build their first home with easier repayment terms.
Purpose
Support low- and middle-income households in buying or building a first home in Pakistan.
Banking Structure
Sindh Bank presents the product in a Shariah-compliant Diminishing Musharakah mode.
Sindh Bank Scheme Overview
The scheme is designed for first-time homeowners and can be used for buying a house, flat, or for construction on an owned plot.
Eligibility Criteria
- The applicant must be a first-time house owner.
- The applicant must not already own any housing unit in their name.
- A valid CNIC is required.
- One person can use the subsidized facility only once.
- Minimum monthly income is Rs40,000.
Financing Limits and Charges
| Feature | Detail |
|---|---|
| Financing type | Diminishing Musharakah |
| Minimum monthly income | Rs40,000 |
| Loan tenure | Up to 20 years |
| Loan-to-value ratio | 90:10 |
| Processing fee | No processing cost |
| Prepayment penalty | No prepayment penalty |
Which Banks Offer the Scheme?
Different banks and housing finance institutions may offer related housing finance options under this scheme or similar programs.
Sindh Bank HBFCL Meezan Bank NBP
How to Apply
- Visit the nearest participating bank branch.
- Ask for the Mera Ghar – Mera Ashiana application form.
- Submit CNIC, income proof, and property documents.
- Provide any additional documents requested by the bank.
- Wait for screening and final approval.
FAQ
What is the latest loan limit?
Sindh Bank’s official page shows tiered financing, while later reports mention revised higher limits up to Rs10 million.
Is Sindh Bank offering this scheme?
Yes, Sindh Bank has listed related housing finance scheme information on its official pages.
Who can apply?
First-time homeowners with valid CNIC and income eligibility can apply.