State Bank of Pakistan Loan Scheme 2026 – Easy Home Financing Through Mera Ghar Mera Ashiana
The State Bank of Pakistan (SBP) continues its commitment to affordable housing through the Mera Ghar Mera Ashiana Loan Scheme, updated for 2026. This initiative is designed to help middle- and low-income families achieve homeownership by offering accessible, regulated, and long-term housing finance through commercial banks and Islamic banking institutions.
With rising property prices and rental costs, the SBP housing finance framework aims to reduce the financial burden by introducing lower mark-up rates, longer repayment periods, and flexible eligibility criteria. The scheme supports home construction, purchase, and renovation under a structured and transparent banking system.
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Key Benefits of Mera Ghar Mera Ashiana Scheme 2026
- Affordable home loans with regulated interest rates
- Long repayment tenure to reduce monthly installments
- Available for salaried individuals, self-employed, and businessmen
- Supports construction, purchase, and renovation of houses
- Islamic and conventional financing options
- Improved transparency under SBP supervision
Loan Categories & Maximum Limits
| Loan Purpose | Maximum Financing |
|---|---|
| Home Construction | Up to PKR 10 Million |
| Home Purchase | Up to PKR 10 Million |
| Home Renovation | Up to PKR 5 Million |
| Apartment/Flat Purchase | Up to PKR 10 Million |
Actual limits depend on bank policy and borrower income.
Eligibility Guidelines for 2026
To qualify for the SBP housing loan:
- Pakistani citizen with a valid CNIC
- Age typically between 21 and 65 years at loan maturity
- Stable income source with verifiable documentation
- Clean banking and credit history
- Property must be legally approved and documented
Applicants must apply directly through SBP-regulated banks, which will assess income, repayment capacity, and property value.
Why This Scheme Matters in 2026
The Mera Ghar Mera Ashiana program supports Pakistan’s broader housing vision by encouraging formal financing, reducing housing shortages, and promoting economic stability. With SBP’s updated guidelines for 2026, the scheme remains one of the most reliable and structured options for families planning to own a home through bank financing.
This initiative continues to bridge the gap between rising housing demand and affordable financing solutions across Pakistan.
