Mera Ghar Mera Aashiana 2026 – Loan limit increase Rs. 10M

Mera Ghar Mera Aashiana 2026 – Loan limit increase Rs. 10M

The government of Pakistan introduced a big update in the Mera Ghar Mera Aashiana scheme in 2026 to support low-income families. Now, in February 2026, the loan limit for the Mera Ghar Mera Aashiana scheme has increased from 3.5 million to 10 million, with a 5% markup fixed rate. The purpose of this update is to support housing affordability, the housing industry, and create more employment. In this article, you will find all the information about the Mera Ghar Mera Aashiana Scheme, including the old and updated loan limits and the markup rate. Apni Zameen Apna Ghar Scheme Apply For 3 Marla Plot

Why has the loan limit increased

In the past, the loan limit was 3.5 million. But according to the February 2026 updates, the government of Pakistan has increased the Mera Ghar Mera Aashiana scheme loan limit from 3.5 million to 10 million. It is due to the following reasons:

• Rising prices of construction material
• Rising property prices
• Increasing demand for housing in cities

This scheme helps people to build their houses without any shortage of funding.  

Updates of Mera Ghar Mera Aashiana Scheme in 2026

The government has updated the Mera Ghar Mera Aashiana Scheme in 2026. 

• The maximum loan limit has increased to Rs. 10,000,000
• The repayment period has increased up to 20 years
• Eligibility has also expanded(larger housing sizes are not allowed )
• SBP-regulated banking system 
• This scheme supports low-income(middle-class) families
• Improved processing system
• The markup rate has been fixed 5%

Summary Table for Mera Ghar Mera Aashiana Scheme 

Types of Properties Allowed

You can use a loan for the following properties:

• If you are constructing a new house
• Purchasing a home
• Rebuilding your house, Apni chat Apna Ghar Scheme Eligibility Criteria.

Who is Eligible for this scheme

For the Mera Ghar Mera Aashiana scheme, those people who meet the following conditions are eligible:

• Must be a resident of Pakistan
• Must have a valid CNIC
• No past major loan history 
• Stable income

Required Documents 

You must have the following documents to apply in Mera Ghar Mera Aashiana Scheme:

• Valid CNIC
• Proof of income
• Bank statement
• Property ownership documents
• Tax filer status

Application Methods

Apply through a commercial Bank 

• Visit the nearest bank
• Submit the required documents
• The bank will verify your documents
• If you are eligible, your loan will be approved
• Funds will be distributed in phases

Apply via online portal 

You can also apply online through the official portal:

• Go to the official portal of any bank
• Click housing scheme
• Click the register option 
• Submit your documents

The difference of this Scheme from others

Economic Impact of the Scheme

The Mera Ghar Mera Aashiana Scheme is not a housing scheme; it’s also a support:

• Construction industries
• Cement industries
• Labours

Already 10,000 application has received, which means this housing scheme gives new job opportunities to people.

Conclusion

The government of Pakistan has increased the Mera Ghar Mera Aashiana Scheme loan limit from 3.5 million to 10 million to support middle-class families with 5% fixed markup. This scheme not only support middle class families but also supports industries like the cement industry and other construction industries. Till 10,000 applications has received, which means this scheme also employs people. 

FAQs

Can agovernmentt employee apply for this scheme?

Yes, governmentmt employee is also eligible for this Mera Ghar Mera Aashiana Scheme.

What is the updated loan limit of the Mera Ghar Mera Aashiana Scheme?

The loan limit for Mera Ghar Mera Aashiana Scheme is increased to 10 million in February 2026.

What isthe markup rate of this scheme?

The government has fixed 5% markup rate forthe Mera Ghar Mera Aashiana Scheme with 20 years loan tenure.

Why has the loan limit increased in 2026?

Due to the rising prices of construction materials, the government has increased the loan limit to support people.

Where can I apply for this scheme?

You can apply forthe Mera Ghar Mera Aashiana Scheme at the bank or also at the online portal of any bank.