Required Documents — Mera Ghar Mera Ashiana 2026 Checklist

CNIC (Original + 2 Copies) Valid, non-expired Computerized National Identity Card

Spouse CNIC (Copy) If married — spouse's CNIC is required by most banks

Passport-Size Photographs (2–4) Recent, with white background

Proof of Current Residence Utility bill, rental agreement, or Allotment Letter (within last 3 months)

Bank Statements (6–12 months) From your primary salary or business account

Notarized Affidavit Declaring that you do not own any residential property (first-time buyer declaration)

Police Clearance Certificate Optional Required by some banks — check with your chosen bank

Marriage Certificate / Nikah Nama Optional If applying as a married couple

Salary Slips (3–6 months) Signed and stamped by employer

Employment Letter / Certificate Confirming designation, salary, and tenure

Bank Salary Credit Statement Showing salary credits for last 6 months

NTN / STRN Certificate National Tax Number or Sales Tax Registration Number

Tax Returns (Last 2 Years) Filed with FBR

Business Bank Statements (12 months) From your business account

Business Registration / License Optional Chamber of Commerce or relevant authority

Any Verifiable Income Proof Pension letter, rental income proof, or foreign remittance records

Character / Reference Letter Optional From a reputable community member or employer

Title Deed / Ownership Documents Original property ownership documents of the seller

Approved Building Plan Approved by the relevant development authority (LDA, CDA, KDA, etc.)

Property Valuation Report Will be arranged by the bank — bank-appointed valuer

NOC from Housing Authority No Objection Certificate from the relevant housing/development authority

Sale Agreement / Allotment Letter If purchasing from a housing society or developer

Approved Site Plan Optional For construction loans — approved layout plan

Construction Cost Estimate Optional For construction/renovation loans — detailed cost breakdown from a contractor

Make 2 extra copies of every document — banks often request multiple sets.
Get all photocopies attested by a Gazetted Officer or Notary Public.
Keep original documents separate and never leave them with the bank.
Some documents (like police clearance) are bank-specific — confirm with your bank before visiting.

Required Documents ضروری دستاویزات