How to Apply درخواست کا طریقہ
Follow these 6 simple steps to apply for a subsidized home loan under the Mera Ghar Mera Ashiana scheme. The entire process typically takes 4–8 weeks.
Applications are being accepted at all participating banks. Processing time is typically 2–6 weeks from submission. Loan approval is subject to individual bank assessment and SBP subsidy allocation.
Check Your Eligibility
5 minUse our online eligibility checker or visit a participating bank branch. Ensure you meet the basic criteria: Pakistani citizen with valid CNIC, first-time homebuyer, aged 21–65.
Check Eligibility →Gather Required Documents
1–3 daysCollect all necessary documents including CNIC copies, income proof (salary slips or tax returns), bank statements, and property papers if you have identified a property.
View Documents Checklist →Visit a Participating Bank
1 dayVisit any branch of a participating bank and request the MGMA (Mera Ghar Mera Ashiana) application form. Some banks also offer online application portals.
Submit Your Application
1 dayFill out the application form completely, attach all required documents, and submit at the bank counter. You will receive an acknowledgment receipt with a reference number.
Verification & Property Valuation
2–6 weeksThe bank will verify your income, employment, credit history, and personal documents. A bank-appointed valuer will assess the property you wish to purchase or build.
Loan Approval & Disbursement
1–2 weeksOnce approved, sign the loan agreement. The loan amount is disbursed to the seller or builder. Your subsidized EMI payments begin from the following month.
Apply Online at These Banks
These participating banks offer online application portals for faster processing.
Don't see your preferred bank? You can also apply in person at any branch of the 20+ participating banks across Pakistan.
Processing Time
Typical processing time is 2–6 weeks from application submission to loan approval. Actual time may vary by bank and documentation completeness.
No Processing Fee
There are no processing fees, no hidden charges, and no prepayment penalties under the MGMA scheme. The only cost is your monthly EMI.
Track Your Application
After submission, contact your bank branch with your reference number to check the status. Some banks also offer SMS tracking services.
Ready to Start Your Homeownership Journey?
Check your eligibility first, then calculate your estimated monthly payments.