Good News: Khushhali Bank Offers Rs. 35 Lakh Easy Home Loan Under Mera Ghar Mera Aashiana Scheme 2025
The Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025 has brought a wave of relief for low and middle-income families across Pakistan. Under this government-backed housing finance initiative, citizens can now avail easy home loans up to Rs. 35 lakh with low markup and simple monthly installments.
This scheme, part of Pakistan’s Markup Subsidy Program, makes it possible for families to build, buy, or expand their own houses without the burden of high-interest rates.
Overview of Khushhali Bank Mera Ghar Mera Aashiana Loan 2025
The Mera Ghar Mera Aashiana Loan 2025 is a major collaboration between the Government of Pakistan, the State Bank of Pakistan (SBP), and Khushhali Microfinance Bank.
It allows Pakistanis to access affordable housing loans for construction, purchase, or renovation purposes.
Main Highlights
- Home loan up to Rs. 3.5 million (35 lakh)
- 5% to 8% markup only
- No hidden or processing charges
- Long-term monthly installment plan
- Available through all Khushhali Bank branches in Pakistan
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Eligibility Criteria for Mera Ghar Mera Aashiana Home Loan 2025
To qualify for the Khushhali Bank housing loan, applicants must meet the government’s eligibility standards to ensure fair access for deserving families.
| Eligibility Factor | Details |
|---|---|
| Nationality | Must be a Pakistani citizen |
| Age Limit | Between 25 to 60 years |
| Income Level | Low or middle-income category |
| Employment Type | Salaried, self-employed, or business owner |
| Loan Purpose | Purchase, build, or expand a house |
| Property Size | Up to 5 Marla or 1360 sq. ft. |
| Credit History | Must have clean repayment history |
This program targets Pakistan’s middle class and aims to boost home ownership nationwide through subsidized housing finance.
Key Features of Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025
| Feature | Description |
|---|---|
| Bank Name | Khushhali Microfinance Bank |
| Maximum Loan Amount | Rs. 3.5 million |
| Markup Rate | 5% to 8% |
| Loan Tenure | Long-term monthly installments |
| Processing Charges | None |
| Prepayment Charges | None |
| Maximum Property Size | 5 Marla / 1360 sq. ft. |
| Target Audience | Low and middle-income families |
This combination of affordability and simplicity makes the Mera Ghar Mera Aashiana Home Loan one of the best financing options available in Pakistan in 2025.
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Markup Subsidy Details – Low Interest Home Financing in Pakistan
The government’s markup subsidy ensures that borrowers pay minimal interest, while the State Bank covers the remaining amount.
| Loan Amount Range | Markup Rate (Borrower Pays) | Purpose |
|---|---|---|
| Up to Rs. 2 million | 5% per annum | Construction or small home purchase |
| Rs. 2–3.5 million | 8% per annum | Medium-size home or house expansion |
💡 Example:
If you borrow Rs. 2,000,000 at 5% markup for 15 years, your estimated monthly installment will be Rs. 15,800, making this the most affordable home loan in Pakistan 2025.
Step-by-Step Guide: How to Apply for Mera Ghar Mera Aashiana Scheme 2025
Applying for this government housing loan is easy and transparent. Follow these simple steps to get started:
Step 1: Visit the Nearest Khushhali Bank Branch
Go to your nearest Khushhali Microfinance Bank branch. Take your CNIC, income proof, and property papers.
Step 2: Request and Fill Out Application Form
Ask for the Mera Ghar Mera Aashiana Loan Form and fill it accurately with all required details.
Step 3: Attach Necessary Documents
Submit the following documents:
- CNIC (Applicant & Co-applicant)
- Income proof (Salary slip or business record)
- Property documents
- Utility bill
- Passport-size photographs
Step 4: Loan Evaluation and Approval
The bank verifies your documents, checks your repayment capacity, and inspects your property.
Step 5: Loan Disbursement
Once approved, the loan amount is credited to your account, allowing you to start construction or purchase your house.
Documents Required for Khushhali Bank Mera Ghar Mera Aashiana Loan
| Document Type | Purpose |
|---|---|
| CNIC | Identity verification |
| Salary Slip / Business Record | Income proof |
| Sale Deed or Registry | Property ownership proof |
| Utility Bill | Address confirmation |
| Bank Statement | Last 6 months record |
| Passport Photos | Applicant verification |
Benefits of Khushhali Bank Mera Ghar Mera Aashiana Loan 2025
- Low markup rate (5–8%) under the government subsidy.
- No hidden fees or prepayment charges.
- Flexible repayment through monthly installments.
- Quick loan approval process with simple documentation.
- Nationwide availability at all Khushhali branches.
- Ideal for low-income families aiming to own a home.
- Government-backed protection under SBP subsidy policy.
Why Choose Khushhali Bank Home Loan in Pakistan 2025
Khushhali Bank stands out among Pakistan’s financial institutions for its commitment to inclusive growth. The Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025 combines government support with the bank’s expertise in consumer lending, giving citizens a reliable, low-cost, and transparent home financing option.
With zero hidden charges and easy installment options, Khushhali Bank housing finance offers long-term stability and security for families across Pakistan.
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Important Guidelines Before Applying for Home Loan
- This loan can only be used for residential property, not commercial purposes.
- All documents must be authentic and verifiable.
- The markup subsidy applies only to approved borrowers.
- Always apply through official Khushhali Bank channels or the State Bank portal.
🔗 Bank Website: https://www.khushhalibank.com.pk
Comparison Table: Mera Ghar Mera Aashiana Loan Benefits
| Feature | Benefit |
|---|---|
| Maximum Loan | Rs. 3.5 million |
| Markup Rate | 5% – 8% |
| Repayment Plan | Long-term easy installments |
| Processing Fees | None |
| Eligibility | Low & middle-income citizens |
| Government Support | Yes – SBP subsidy |
Top Reasons Why Mera Ghar Mera Aashiana Scheme 2025 is Popular
- Affordable Home Financing: Reduced markup and government subsidy.
- Quick Processing Time: Faster evaluation and approval.
- Accessible Nationwide: Every Khushhali branch supports the scheme.
- Ideal for Families: Designed for sustainable home ownership.
- Financial Inclusion: Promotes housing growth in rural and urban areas.
Frequently Asked Questions (FAQs) about Bank Mera Ghar Mera Aashiana Scheme 2025:
1. What is the maximum home loan under Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025?
You can get up to Rs. 35 lakh (3.5 million) for home purchase or construction.
2. Who can apply for this housing finance scheme?
Any Pakistani citizen aged 25–60 years with stable income can apply.
3. What markup rate applies to this loan?
Markup is 5% for loans up to Rs. 2 million and 8% for loans above Rs. 2 million.
4. Does Khushhali Bank charge any processing or prepayment fees?
No, this scheme has zero hidden charges and no prepayment penalties.
5. Is this loan available for house renovation?
Yes, it can also be used for house renovation or extension.
6. How much time does it take for approval?
Usually 2 to 4 weeks, depending on document verification.
7. Is the Mera Ghar Mera Aashiana Scheme 2025 available across Pakistan?
Yes, it’s available nationwide at all Khushhali Microfinance Bank branches.
8. How can I check the status of my application?
You can visit your nearest branch or the official State Bank housing portal for updates.
Conclusion – Mera Ghar Mera Aashiana Scheme 2025
The Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025 is a landmark initiative in Pakistan’s housing finance history. It allows people with limited income to own their dream home through easy monthly installments, low markup rates, and zero hidden charges.
Whether you want to buy, build, or expand, this program offers financial freedom and a secure path to home ownership. Visit your nearest Khushhali Microfinance Bank branch today and make your dream of “Mera Ghar, Mera Aashiana” a reality.
