NBP Mera Ghar Mera Ashiana Scheme opens doors to stable banking and project-related roles linked to affordable housing, offering structured salaries that vary by position and experience level. These are mostly full-time, office-based and field-supported jobs, with limited remote work options depending on the role.
Both fresh graduates and experienced professionals can be part of loan processing, customer support, and project coordination. Beyond employment, this scheme carries an emotional value, as the work directly helps families achieve the dream of owning a home while contributing to a positive social impact.
What is NBP Mera Ghar Mera Ashiana Scheme?
The NBP Mera Ghar Mera Ashiana Scheme is a government-supported housing finance initiative launched in collaboration with the State Bank of Pakistan (SBP). This scheme is designed to help salaried individuals, self-employed professionals, and informal sector workers buy, build, or renovate their own home at affordable and subsidized markup rates.
The program strongly supports the Government of Pakistan’s low-cost housing vision, making homeownership possible for families who are unable to qualify for expensive commercial housing loans. With flexible options and long repayment periods, the scheme focuses on financial ease and long-term stability for middle- and low-income households.
Key Features of NBP Mera Ghar Mera Ashiana Scheme
Here’s a quick overview of what makes this housing scheme a strong option for Pakistan’s working class:
- Low markup rates starting from 3% to 7% annually, keeping monthly installments affordable
- Long repayment tenure of up to 20 years for better financial planning
- Financing of up to Rs. 10 million, depending on property type and location
- Open to both salaried and self-employed individuals
- Can be used to purchase, construct, or renovate a residential property
- Simplified documentation and transparent verification process
NBP Housing Loan Categories
| Category | Purpose | Maximum Loan Amount | Markup Rate (Approx.) |
| Tier 1 (T1) | Low-cost housing units (NAPHDA) | Rs. 2.7 million | 3% – 5% |
| Tier 2 (T2) | Non-NAPHDA urban housing | Rs. 6 million | 5% – 7% |
| Tier 3 (T3) | General housing up to 10 million | Rs. 10 million | 7% – 9% |
Eligibility Criteria for NBP Mera Ghar Mera Ashiana Loan
Applicants must meet the following conditions to qualify:
- Must be a Pakistani citizen with a valid CNIC
- Age limit: 25 to 60 years for salaried individuals
- Monthly income limit:
- Up to Rs. 200,000 for Tier 1
- Up to Rs. 500,000 for Tier 2
- Applicant must be a first-time homeowner
- Clean credit history with no previous bank defaults
Meeting these criteria improves approval chances and speeds up processing.
Required Documents for Loan Application
Prepare the following documents before applying to avoid delays:
- Copy of CNIC (applicant and co-applicant, if applicable)
- Salary slips or income proof for the last 3 months
- Bank statement for the last 6 months
- Property documents or approved site plan
- Recent utility bills for address verification
- Two passport-size photographs
Having complete and accurate documents helps ensure smooth verification.
How to Apply Online for NBP Mera Ghar Mera Ashiana Scheme?
Follow these simple steps to apply through National Bank of Pakistan:
Step 1: Download the Application Form
Access the official NBP portal and download the Mera Ghar Mera Ashiana Loan Form (PDF).
Step 2: Fill Out the Form
- Enter personal details such as name, CNIC, and contact information
- Provide employment status, income details, and property information
- Review all entries carefully to prevent processing delays
Step 3: Attach Required Documents
Include copies of CNICs, income proof, bank statements, property documents, utility bills, and photographs.
Step 4: Submit at Your Nearest NBP Branch
Submit the completed form and documents at your nearest NBP branch.
Step 5: Verification and Property Inspection
NBP will verify documents and may conduct a property inspection. Once approved, loan disbursement begins as per scheme rules.
Download NBP Mera Ghar Mera Ashiana Loan Form
Applicants can also apply manually by downloading the loan form and submitting it at the nearest NBP branch after completing all required sections and attaching documents.
NBP Mera Ghar Mera Ashiana Installment Calculator
| Loan Amount (PKR) | Tenure (Years) | Markup Rate | Approx. Monthly Installment |
| 2,000,000 | 10 | 3% | Rs. 19,000 |
| 4,000,000 | 15 | 5% | Rs. 32,000 |
| 8,000,000 | 20 | 7% | Rs. 50,000 |
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Benefits of Applying Through NBP
- Access to 1,500+ branches nationwide
- Government-backed and SBP-regulated program
- Lower markup rates for low and middle-income families
- Faster processing with direct bank disbursement
- No hidden charges or agent involvement
NBP Customer Support for Housing Loan Inquiries
| Contact Method | Details |
| Helpline | 021-111-627-627 |
| housing.finance@nbp.com.pk | |
| Website | https://www.nbp.com.pk |
| Address | NBP Head Office, I.I. Chundrigar Road, Karachi |
Government’s Vision Behind the Mera Ghar Mera Ashiana
The Government of Pakistan aims to reduce the national housing shortfall by enabling affordable home financing for families excluded from commercial loans. Under this initiative, over 500,000 homes are expected to be financed by 2026, supporting job creation and improving living standards.
As one of Pakistan’s largest public-sector banks, NBP plays a key role by delivering transparent, accessible, and affordable housing finance solutions, turning the dream of homeownership into reality for thousands of families.
Conclusion
NBP Mera Ghar Mera Ashiana Scheme is a practical and affordable solution for families dreaming of owning a home in Pakistan. With subsidized markup rates, flexible repayment plans, and government backing, the scheme removes major financial barriers to homeownership. Whether you want to buy, build, or renovate a house, this initiative offers a secure, transparent, and long-term financing option for salaried and self-employed individuals alike.
Frequently Asked Questions:
Who can apply for the NBP Mera Ghar Mera Ashiana Scheme?
Pakistani citizens who are first-time homeowners, including salaried and self-employed individuals, can apply if they meet income and age requirements.
What is the maximum loan amount under this scheme?
Applicants can receive financing of up to Rs. 10 million, depending on the selected loan tier and eligibility.
How long is the repayment period?
The loan repayment tenure can extend up to 20 years, making monthly installments more manageable.
