Breaking News 14 November News: How To Apply for Mera Ghar Mera Ashiana Scheme 2025 Through Askari Bank

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Apply for Mera Ghar Mera Ashiana Scheme

For millions of Pakistani families, buying a home has become increasingly difficult due to rising property prices and strict loan requirements. To address this challenge, the Government of Pakistan—along with the State Bank of Pakistan (SBP)—Apply for Mera Ghar Mera Ashiana Scheme 2025, offering subsidized housing finance for first-time homebuyers.Askari Bank is among the key participating banks, providing low-markup, long-term, and user-friendly financing options that make homeownership more achievable for low-income and middle-income families. The scheme focuses on affordability, transparency, and easy documentation, helping thousands of Pakistanis secure their first home.

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Overview of the Mera Ghar Mera Ashiana Scheme 2025

The Mera Ghar Mera Ashiana Scheme 2025 is a government-backed home financing program designed to help citizens purchase, construct, or expand their first residential property. Askari Bank offers simplified procedures, subsidized markup rates, flexible installment plans, and long repayment tenures of up to 20 years.This revised 2025 update aims to reduce the financial burden on buyers while ensuring maximum access to affordable housing finance.

Key Features of Askari Bank Housing Finance – 2025

Feature	Details (Askari Bank – 2025 Update)
Scheme Type	Government-Subsidized Housing Finance
Bank	Askari Bank
Eligible Applicants	First-time homebuyers only
Purpose	Purchase or construction of home/flat
Tenure	Up to 20 years
Government Subsidy	First 10 years
Buyer Equity	Minimum 10%
Bank Financing	Up to 90%
Maximum Loan Limit	PKR 3.5 million

This structure especially supports individuals who previously could not qualify for traditional mortgage loans due to income limitations.

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Eligibility Criteria for Mera Ghar Mera Ashiana Scheme 2025

To ensure fair distribution of housing assistance, applicants must meet the following eligibility requirements:

Must be a Pakistani citizen with valid CNIC
Must be a first-time homebuyer (no previous property ownership)
Age must fall between 20 to 65 years at the time of loan maturity
Must have verifiable income through salary slips, bank statements, or business documents
Maximum property size: up to 5 marla (house) or 1,360 sq. ft (flat)
Co-applicant (spouse/child) allowed to enhance income eligibility

These conditions ensure that genuine families and low-income individuals can take advantage of the program.

Loan Structure & Financial Tiers – Askari Bank 2025

Askari Bank offers two subsidized tiers under the 2025 housing scheme. The government covers a significant portion of the markup for the first 10 years, making monthly installments affordable.

Tier	Loan Range	Subsidy Period	Fixed Markup Rate	Maximum Tenure
Tier 1	Up to PKR 2 million	10 years	5%	20 years
Tier 2	PKR 2–3.5 million	10 years	8%	20 years

Additional Financial Benefits

Down Payment: 10%
Bank Financing: Up to 90%
Processing Fees: None
Early Payment Penalty: Not applicable
Risk Coverage: 10% provided by SBP

This tiered structure helps families choose financing options that fit their financial capacity.

Required Documents for Loan Application

Providing complete and accurate documentation increases your chances of fast approval.

Documents Needed:

CNIC copies (applicant & co-applicant)
2 passport-size photographs
Latest salary slips (salaried persons)
Last 6-month bank statement
Income proof / business documents (self-employed)
Property documents / sale agreement
Filled Askari Bank housing application form

Make sure all documents are valid and clearly readable to avoid unnecessary delays.

Step-by-Step Process to Apply for the Scheme (2025 Method)

Follow these steps to successfully apply for a home loan through Askari Bank:

Visit the nearest Askari Bank branch and request the Mera Ghar Mera Ashiana application form.
Fill out the form carefully with accurate income and property details.
Attach all required documents and submit them to the bank representative.
The bank will verify your income, CNIC, and property details.
A property valuation and legal check are performed.
Once approved, the loan amount is disbursed directly to the seller or for construction.
Monthly installments begin as per the agreed repayment plan.
Full ownership is transferred after successful completion of payments.

This transparent and computerized process ensures quick approval with minimal hassle.

Top Benefits of Choosing Askari Bank for the Scheme

Benefit	Details
Low Markup	5%–8% for 10 years
Long Tenure	Up to 20 years
Minimum Down Payment	Only 10%
Hidden Charges	None
Prepayment	No penalty
Assistance	Complete support from Askari Bank
Government Backing	SBP subsidy & risk coverage

Tip: Always ensure your chosen property or housing society is approved by Askari Bank.

Tips for Smooth & Fast Approval

Prepare all documents before applying
Maintain a clean bank statement
Ensure your property is legally approved
Respond quickly to bank calls or document requests
Discuss markup reset policy after the 10-year subsidy period

FAQs – Mera Ghar Mera Ashiana Scheme 2025

1. Who can apply for the scheme?

Any Pakistani citizen aged 20–65 who is buying a home for the first time.

2. What is the maximum loan amount from Askari Bank?

Up to PKR 3.5 million, depending on income and property size.

3. Are there any processing or hidden fees?

No, Askari Bank does not charge any processing fees or hidden costs under this scheme.

Conclusion

The Mera Ghar Mera Ashiana Scheme 2025 is one of Pakistan’s most impactful housing initiatives, designed specifically for low-income and middle-class families. With subsidized markup rates, no hidden charges, and long-term repayment options, Askari Bank makes the dream of homeownership much more accessible. If you want to build or purchase your first home, this is the perfect opportunity. Visit your nearest Askari Bank branch today for updated details and guidance.