{"id":108726,"date":"2022-07-28T04:00:00","date_gmt":"2022-07-28T04:00:00","guid":{"rendered":"https:\/\/www.zameen.com\/blog\/?p=108726"},"modified":"2022-07-28T04:04:48","modified_gmt":"2022-07-28T04:04:48","slug":"mera-pakistan-mera-ghar-scheme-faqs","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/blog\/mera-pakistan-mera-ghar-scheme-faqs.html","title":{"rendered":"Mera Pakistan Mera Ghar: Government\u2019s Markup Subsidy Program FAQs"},"content":{"rendered":"\n<p><strong><a href=\"#FAQs-About-Mera-Pakistan-Mera-Ghar\">Key FAQs About \u2018Mera Pakistan Mera Ghar\u2019<\/a><\/strong><br><strong><a href=\"#All-FAQs-About-Markup-Subsidy-Scheme\">All FAQs About Markup Subsidy Scheme<\/a><\/strong><\/p>\n\n\n\n<p><strong>Update (July 27, 2022):&nbsp;<\/strong><\/p>\n\n\n\n<p>In a recent development, the federal government has directed the commercial banks across Pakistan to resume Mera Pakistan Mera Ghar (MPMG), which is an SBP-backed subsidised markup housing loan scheme. The financial institutions have been asked to disburse funds against applications that are either partially approved or in the final stages of approval. Previously, in the wake of the uncertain economic situation, the scheme was temporarily discontinued by the authorities.<\/p>\n\n\n\n<p>Furthermore, interest rates for tier-2 and tier-3 financing of the MPMG scheme have also been reduced by 150 basis points. The official Twitter handle of the Ministry of Finance has also recently posted a tweet regarding the partial restoration of the Mera Pakistan Mera Ghar scheme while asking the banks to bring down their spread over KIBOR to provide some financial relief to the loan applicants.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"twitter_widget_wrapper alia_embed_wrapper\"><div class=\"twitter_widget_border\"><!--ALIA start embed content--><blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Finance Division has today conveyed its permission to resume disbursements to already approved cases under Mera Pakistan Mera Ghar Scheme( MPMG). Banks have also been asked to reduce their spread over KIBOR.<a href=\"https:\/\/twitter.com\/hashtag\/SBP?src=hash&amp;ref_src=twsrc%5Etfw\">#SBP<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/miftahismail?src=hash&amp;ref_src=twsrc%5Etfw\">#miftahismail<\/a><\/p>&mdash; Ministry of Finance (@FinMinistryPak) <a href=\"https:\/\/twitter.com\/FinMinistryPak\/status\/1551597150261415936?ref_src=twsrc%5Etfw\">July 25, 2022<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><!--AliA end embed content--><\/div><\/div>\n<\/div><\/figure>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<p><strong>Update (March 18, 2022):<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mera Pakistan Mera Ghar Mela in Faisalabad<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-1024x640.jpg\" alt=\"mera pakistan mera ghar mela\" class=\"wp-image-117915\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2022\/02\/mera1.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>The Mera Pakistan Mera Ghar Mela in Faisalabad<\/figcaption><\/figure>\n\n\n\n<p>The State Bank of Pakistan (SBP) in collaboration with the partnered commercial banks and the NAPHDA is organizing a Mera Pakistan Mera Ghar Mela on March 19 and 20, 2022. The venue of this two-day event will be Circle Club, Faisalabad.&nbsp;<\/p>\n\n\n\n<p>The Mera Pakistan Mera Ghar Mela will be opened to the general public between 11:00 am and 08:00 pm during the weekend. The representatives of all the associated commercial banks will be available at the venue to provide information on the SBP&#8217;s subsidised home financing facility.&nbsp;<\/p>\n\n\n\n<p>The builders, developers, real estate agents and other stakeholders will be attending the event to showcase their projects offering housing units and apartments for investment under the loan scheme.<\/p>\n\n\n\n<p>It is an excellent opportunity for anyone in Faisalabad who wants to buy, invest or construct their own house to inquire about the process and eligibility criteria for availing the subsidized housing finance as well as details about monthly installments that may depend on the amount of financing and monthly income of the applicant.<\/p>\n\n\n\n<p>If you are looking for more event details, head over to the official Facebook page of the <a href=\"https:\/\/www.facebook.com\/StateBankPakistan\" target=\"_blank\" rel=\"noreferrer noopener\">State Bank of Pakistan<\/a>!<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<p><strong>Update (Feb 17, 2022<\/strong>): The State Bank of Pakistan (SBP) has recently revised the markup rates downwards for Tier-1 of the Mera Pakistan Mera Ghar loan financing scheme. This tier of the markup subsidy programme is specifically used to finance the housing units that are available in the projects introduced under the Naya Pakistan Housing Programme.&nbsp;<br><\/p>\n\n\n\n<p>Click here for the complete details of the <a href=\"#Markup-for-Each-Loan-Tier\">markup percentage for each tier<\/a> of the financing facility!<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<p><strong>Update (Feb. 14, 2022):<\/strong> The Faisalabad Women Chamber of Commerce and Industry (FWCCI) has joined hands with the State Bank of Pakistan to facilitate women entrepreneurs in the region. Both of these organisations have come together to help out business women applying for the different types of loan schemes, including Mera Pakistan Mera Ghar and Prime Minister&#8217;s <a href=\"https:\/\/www.zameen.com\/blog\/kamyab-jawan-programme-pakistan.html\" target=\"_blank\" rel=\"noreferrer noopener\">Kamyab Jawan Programme<\/a>.<\/p>\n\n\n\n<p>A special session guiding the audience regarding the documentation process of the government-backed financing schemes was jointly held by the SBP and FWCCI. The event was addressed by Mrs. Nighat Shahid who appreciated the cooperation of the State Bank.&nbsp;<\/p>\n\n\n\n<p>While speaking to the audience, she not only praised the huge potential of women entrepreneurs who are either doing business from home, in small and medium level enterprises but also recognized the significance of their role in the region&#8217;s commercial and industrial growth.<\/p>\n\n\n\n<p>The Senior Joint Director of SBP Banking Services in Faisalabad Muhammad Akbar said that a special help desk will also be established at the FWCCI to facilitate the female applicants regarding the process of documentation and securing loans under the different state-run financing schemes. More such educational sessions regarding the loan schemes are to be held at the FWCCI in the future.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<p>The government of Pakistan under the leadership of former Prime Minister Imran Khan launched the \u2018Mera Pakistan Mera Ghar\u2019 scheme in the latter half of 2020. It is a markup subsidy program run by the State Bank of Pakistan. The authorities have set aside a budget of PKR 36 billion to offer this home loan facility with subsidized markup rates.<\/p>\n\n\n\n<p>The concept behind introducing the \u2018Mera Pakistan Mera Ghar\u2019 scheme is to facilitate the masses with low-cost home financing solutions. The State Bank of Pakistan has taken onboard almost all major commercial banks in the country to expand the reach of the government\u2019s markup subsidy program nationwide.&nbsp;<\/p>\n\n\n\n<p>So, if you want to learn more about this subsidized home loan program before applying for it, then you have made it to the right post. Here we have put together a list of all the important FAQs about the \u2018Mera Pakistan Mera Ghar\u2019 scheme.<\/p>\n\n\n\n<p>Now, without further delay, let\u2019s get the ball rolling!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQs-About-Mera-Pakistan-Mera-Ghar\">Important FAQs About \u2018Mera Pakistan Mera Ghar Scheme\u2019<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-1024x640.jpg\" alt=\"More About Mera Pakistan Mera Ghar\" class=\"wp-image-108729\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/2-7.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Government&#8217;s subsidy markup scheme is based on four credit tiers<\/figcaption><\/figure>\n\n\n\n<p>The FAQs we are going to list here are based on the information released in the form of an official circular by the State Bank of Pakistan on March 25, 2021.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Am I Eligible to Apply for \u2018Mera Pakistan Mera Ghar\u2019?<\/h3>\n\n\n\n<p>Yes, if you are a citizen of Pakistan with a valid CNIC, then you are eligible to apply for the scheme. You should be a first-time homebuyer. Also, you can apply for the subsidized home loan program only once.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I Purchase Land\/Plot Under This Home Loan Facility?<\/h3>\n\n\n\n<p>Since the government\u2019s markup subsidy program also aims to benefit the construction industry, you can avail of the loan facility to purchase a piece of land only if you have plans to construct a house on it instead of using it as an investment property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Much Loan Amount Can I Borrow Using the Scheme?<\/h3>\n\n\n\n<p>According to the recent amendments made by the State Bank of Pakistan in the terms of the housing scheme, you can borrow up to 10 million using this home loan facility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What are the Credit Tiers for the \u2018Mera Pakistan Mera Ghar\u2019 scheme?<\/h3>\n\n\n\n<p>To make the terms of the program easily comprehensible for the general public, the government of Pakistan has divided the markup subsidy program into four tiers. The distribution starts from Tier 0 to Tier 3.&nbsp;<\/p>\n\n\n\n<p>It is important to mention here that Tier 1 of the scheme has been designated for the low-cost housing projects approved by the Naya Pakistan Housing &amp; Development Authority (NAPHDA).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the Size of the Property Unit and Amount of Loan Designated for Each Tier?<\/h3>\n\n\n\n<p>The table below gives you all the key details in this regard. Take a look!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Credit Tier<\/strong><\/td><td><strong>Housing Unit Size Limit<\/strong><\/td><td><strong>Maximum Loan Amount<\/strong><\/td><\/tr><tr><td>Tier 0<\/td><td>House up to 125 sq yd \/ Flat up to 1,250 sq ft<\/td><td>Up to PKR 2 million<\/td><\/tr><tr><td>Tier 1 (for NAPHDA)<\/td><td>House up to 125 sq yd \/ Flat up to 850 sq ft<\/td><td>Up to PKR 2.7 million<\/td><\/tr><tr><td>Tier 2<\/td><td>House up to 125 sq yd \/ Flat up to 1,250 sq ft<\/td><td>Up to PKR 6 million<\/td><\/tr><tr><td>Tier 3<\/td><td>House up to 250 sq yd \/ Flat up to 2,000 sq ft<\/td><td>Up to PKR 10 million<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Markup-for-Each-Loan-Tier\">What is the Percentage of Markup for Each Loan Tier?<\/h3>\n\n\n\n<p>The percentage of markup for this loan facility varies from tier to tier. Have a look at the table below for more information.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Credit Tier<\/strong><\/td><td><strong>Markup Percentage<\/strong><\/td><\/tr><tr><td>Tier 0<\/td><td>5% for the first 5 Years and 7% for the next 5 years<\/td><\/tr><tr><td>Tier 1 (for NAPHDA)<\/td><td>2% for the first 5 Years and 4% for the next 5 years<\/td><\/tr><tr><td>Tier 2<\/td><td>5% for the first 5 Years and 7% for the next 5 years<\/td><\/tr><tr><td>Tier 3<\/td><td>7% for the first 5 Years and 9% for the next 5 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Are There Any Upper Limits for the Market Value of Properties Bought Using the Government Loan Scheme?<\/h3>\n\n\n\n<p>As per the latest updates on the government\u2019s markup subsidy program, the government has now removed the upper limits for the market value of financed housing units under the \u2018Mera Pakistan Mera Ghar\u2019 scheme.&nbsp;<\/p>\n\n\n\n<p>This means there is no cap in terms of property value for loan applicants of credit tiers 0, 2, and 3. However, credit tier 1, which is for the NAPHDA-approved project, still has a maximum limit of PKR 3.5 million for the market price of the financed unit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the Minimum Loan Tenure Allowed in the Government\u2019s Markup Subsidy Scheme?<\/h3>\n\n\n\n<p>In the light of the recent amendments made by SBP, you can avail of the loan facility under the \u2018<a href=\"https:\/\/www.zameen.com\/tools\/home-loan-calculator\/scheme\/naya-pakistan-housing-scheme-1\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mera Pakistan Mera Ghar<\/a>\u2019 scheme for a minimum of five years. Previously, the limit was only set to 10 years. Plus, you can even extend the loan terms to 20 years, depending on your requirement.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Should I Provide As Security Against the Loan I Am Borrowing?<\/h3>\n\n\n\n<p>As per the official circular of SBP, the same housing unit that has been financed will also be mortgaged in favour of the financial institution, which is lending you the loan amount. It is a convenient solution to fulfil the loan security requirement of the concerned bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are There Any Specific Banks from Where I Can Apply for \u2018Mera Pakistan Mera Ghar\u2019?<\/h3>\n\n\n\n<p>As discussed, the State Bank of Pakistan (SBP) has networked with all major commercial, Islamic, and microfinance banking institutions across the country for this government-run loan scheme. This means you can easily visit your nearest bank branch if you want to apply for \u2018Mera Pakistan Mera Ghar\u2019, also known as \u2018Apna Ghar Sasta Qarz\u2019.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Can I Get Assisted or Register a Complaint As a Loan Borrower of the Government Scheme?<\/h3>\n\n\n\n<p>Special Service Desks have been set up physically in the concerned bank branches as well as on the <a href=\"https:\/\/servicedesk.sbp.org.pk\/\" target=\"_blank\" rel=\"nofollow noopener\">online portal of SBP<\/a>. These service desks have been designed to help loan borrowers out with their queries and complaints. If you want to <a href=\"https:\/\/www.zameen.com\/blog\/sbp-service-desk-portal.html\" target=\"_blank\" rel=\"noreferrer noopener\">sign up for the SBP\u2019s online service desk<\/a> for the loan markup scheme, read this blog for the complete procedure<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"All-FAQs-About-Markup-Subsidy-Scheme\">Complete List of FAQs About &#8216;Apna Ghar Sasta Qarz&#8217; Scheme By SBP<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-1024x640.jpg\" alt=\"All FAQs About Apna Ghar Sasta Karz Scheme\" class=\"wp-image-108730\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/1-7.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Below is the link to the PDF document released by SBP listing all FAQs about the government loan facility<\/figcaption><\/figure>\n\n\n\n<p>For more information and details that you as an applicant should know about this government loan scheme, here is a link to the complete list of <a href=\"https:\/\/www.sbp.org.pk\/Incen-others\/pdf\/FAQs-MarkupSubsidyScheme%20-HousingFinance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">FAQs about \u2018Mera Pakistan Mera Ghar\u2019<\/a>.<\/p>\n\n\n\n<p>This brings us to the end of our detailed post on all the important FAQs about the government\u2019s newly-introduced subsidy markup program. If you have any questions or feedback related to this blog, feel free to reach out to us at <a href=\"mailto:blog@zameen.com\" target=\"_blank\" rel=\"noreferrer noopener\">blog@zameen.com<\/a>.<\/p>\n\n\n\n<p>On a side note, you may also like reading about all the <a href=\"https:\/\/www.zameen.com\/blog\/all-that-you-need-to-know-about-naya-pakistan-housing-programme.html\" target=\"_blank\" rel=\"noreferrer noopener\">latest updates on the Naya Pakistan Housing Program (NPHP)<\/a>, phase-1 of which has already been launched. Over 1500 housing units have been handed over to the individuals belonging to the labour class who have applied for the scheme.<\/p>\n\n\n\n<p>For more informative pieces related to infrastructure and property developments happening all over the country, keep reading Zameen Blog\u2014your source for the <a href=\"https:\/\/www.zameen.com\/blog\" target=\"_blank\" rel=\"noreferrer noopener\">best real estate blogs in Pakistan<\/a>. Stay updated with all our latest blog posts by subscribing to our email newsletter.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn all about Mera Pakistan Mera Ghar Scheme: an affordable and flexible low-cost home financing scheme by the government and SBP<\/p>\n","protected":false},"author":82,"featured_media":108727,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11053],"tags":[82688,82681,82687,82686,19524,82683,82685,82684,10649,26741,2631],"persona":[38544,32423,32414,32411,32407],"class_list":{"0":"post-108726","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-laws-taxes","8":"tag-apna-ghar-sasta-qarz-scheme","9":"tag-apply-for-mera-pakistan-mera-ghar","10":"tag-faqs-about-governments-subsidy-markup-program","11":"tag-faqs-about-mera-pakistan-mera-ghar","12":"tag-laws-and-taxes","13":"tag-mera-pakistan-mera-ghar","14":"tag-mera-pakistan-mera-ghar-loan-scheme","15":"tag-mera-pakistan-mera-ghar-scheme","16":"tag-naya-pakistan-housing-program","17":"tag-naya-pakistan-housing-project","18":"tag-state-bank-of-pakistan","19":"persona-banking-and-finance","20":"persona-budgeting","21":"persona-laws","22":"persona-property-investment","23":"persona-taxations","24":"cat-11053-id"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u2018Mera Pakistan Mera Ghar\u2019 Scheme FAQ&#039;s | Zameen Blog<\/title>\n<meta name=\"description\" content=\"Want to apply for the \u2018Mera Pakistan Mera Ghar\u2019 scheme? 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