In a major relief for aspiring homeowners, the Economic Coordination Committee (ECC) has approved the revised features of the low-cost housing mortgage financing scheme “Mera Ghar Mera Aashiyana” for 2026.
This important announcement is being seen as a powerful step toward making home ownership easier and more affordable for thousands of Pakistani families. With an increased loan limit and a uniform 5% markup rate, the scheme is now more attractive than ever.
Mera Ghar Mera Aashiyana Quick Overview
- Maximum loan limit increased to 10 million PKR
- Uniform 5% markup rate for all eligible applicants
- Expanded size criteria for eligible housing units
- Previously disbursed loans adjusted to revised 5% rate
- Implementation continues under State Bank framework
- 10,594+ applications received so far
ECC Meeting Details
The ECC meeting was chaired by Federal Minister for Finance and Revenue, Senator Muhammad Aurangzeb. The Ministry of Housing and Works presented a summary outlining the revised features of the Mera Ghar Mera Aashiyana (MGMA) scheme, which was formally approved.
The committee was informed that the scheme has received an overwhelming public response since its launch, with more than 10,594 loan applications submitted. Loan disbursements are already in progress.
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Key Revised Features of Mera Ghar Mera Aashiyana 2026
1️⃣ Increased Loan Limit – Up to 10 Million PKR
Applicants can now obtain housing loans of up to 10 million rupees, significantly expanding purchasing and construction capacity.
2️⃣ Uniform 5% Markup Rate
A fixed 5% markup rate has been implemented for all eligible borrowers, ensuring affordability and predictable monthly installments.
3️⃣ Expanded Housing Unit Size Criteria
The size limits for eligible residential units have been broadened, allowing more properties to qualify under the scheme.
4️⃣ Revised Rate Applied to Existing Loans
Previously disbursed loans will also be adjusted to the revised 5% markup rate to ensure fairness and uniformity.
5️⃣ Subsidy Linked to Actual Disbursement
Subsidy payments will strictly correspond to actual loan disbursements and will remain within annual budget allocations.
Core Objectives of the Mera Ghar Mera Aashiyana Scheme
- Expand access to low-cost housing finance
- Promote construction sector growth
- Generate employment opportunities
- Support sustainable home ownership
- Encourage balanced risk-sharing and markup subsidy models
Eligibility Criteria
Applicants must meet the following conditions:
- Must be a Pakistani citizen
- Must have a stable source of income
- Should not be a bank defaulter
- Preference for first-time home buyers
- Property must meet approved size criteria
Required Documents
Applicants are generally required to submit:
- Valid CNIC (National Identity Card)
- Proof of income (salary slip or business income proof)
- Bank statements
- Property documents
- Passport-size photographs
- NTN (if applicable)
Step-by-Step Mera Ghar Mera Aashiyana Registration Process
1️⃣ Visit a participating bank or financial institution
2️⃣ Obtain the Mera Ghar Mera Aashiyana application form
3️⃣ Submit required documents
4️⃣ Bank conducts credit assessment and verification
5️⃣ Upon approval, loan amount is disbursed
Tip: Always confirm property eligibility and updated bank terms before applying.
Mera Ghar Mera Aashiyana Summary Table – Key Details
| Feature | Details |
|---|---|
| Scheme Name | Mera Ghar Mera Aashiyana |
| Approving Authority | ECC |
| Maximum Loan Limit | 10 Million PKR |
| Markup Rate | 5% (Uniform) |
| Applications Received | 10,594+ |
| Implementation Framework | State Bank mechanism |
| Year | 2026 |
Other Major Approvals in the ECC Meeting
Alongside the housing scheme, the ECC also approved:
- A technical supplementary grant of Rs. 7.289 million for enhancing agricultural productivity in rain-fed areas
- Rs. 6.61 billion for Thar Coal Rail Connectivity project to improve local coal transportation and strengthen energy security
These measures aim to reduce reliance on imported fuel and support national economic stability.
Frequently Asked Questions (FAQs)
Is the 5% markup fixed?
Yes, the revised framework enforces a uniform 5% markup rate.
What is the maximum loan amount available?
Applicants can receive up to 10 million PKR.
Will existing borrowers benefit from the new rate?
Yes, previously disbursed loans will also be adjusted to the revised 5% rate.
Where can I apply?
You can apply through authorized banks and financial institutions.
Is everyone eligible?
Eligibility depends on income verification, credit history, and property criteria.
Take Action Now – Secure Your Dream Home
If you are planning to build or purchase your home in 2026, this is a golden opportunity. With an increased loan ceiling and a low 5% markup rate, the Mera Ghar Mera Aashiyana scheme offers real financial relief.
Start your registration process today through participating banks and stay updated for further official announcements. Share this important news so more families can benefit from this major housing relief initiative.