Terms of Service

Last updated: June 2026

1. Acceptance of Terms

By accessing and using the Mera Ghar Mera Ashiana website ("Portal"), you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use this Portal.

2. Nature of Service

This Portal is an independent informational resource about the Mera Ghar Mera Ashiana government housing finance scheme. We provide:

EMI calculators and financial tools
Eligibility checking tools
Bank-specific guides and comparisons
Scheme documentation and updates
Blog articles and educational content

3. Disclaimer

This Portal is not affiliated with, endorsed by, or officially connected to the State Bank of Pakistan (SBP), any participating bank, or any government entity. All information is compiled from publicly available sources and is provided "as is" without warranty of any kind.

Our calculators provide estimates only. Actual loan terms, rates, eligibility, and approvals are determined solely by the participating banks under SBP supervision.

4. No Financial Advice

Content on this Portal does not constitute financial, legal, tax, or religious advice. You should consult qualified professionals before making any financial decisions. For Islamic finance questions, consult a qualified Islamic scholar.

5. Accuracy of Information

We make reasonable efforts to ensure information accuracy and currency. However, scheme terms, interest rates, bank policies, and eligibility criteria can change without notice. Always verify information with the relevant bank or official SBP publications before making decisions.

6. Intellectual Property

All content, design, code, and branding on this Portal are the property of Mera Ghar Mera Ashiana unless otherwise stated. You may not reproduce, distribute, or create derivative works without written permission.

7. User Conduct

You agree not to:

Use automated tools to scrape or collect data from this Portal
Misrepresent yourself or impersonate any person or entity
Submit false, misleading, or spam content through our contact forms
Attempt to interfere with the Portal's operation or security

8. Third-Party Links

This Portal may contain links to bank websites and other third-party resources. We are not responsible for the content, privacy practices, or accuracy of external websites.

9. Limitation of Liability

To the maximum extent permitted by law, Mera Ghar Mera Ashiana and its team shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this Portal or reliance on its content.

10. Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes take effect upon posting. Continued use of the Portal constitutes acceptance of revised terms.

11. Contact

For questions about these terms, please contact us.