Mera Pakistan Mera Ghar 2026: Online Apply, Installment Calculator & Eligibility

By -Pak Career Information Hub

February 03, 2026

Mera Pakistan Mera Ghar (MPMG) 2026: Apna Ghar Banane Ka Khwab Sach Karein – Mukammal Guide

Last Updated: February 3, 2026
Mera Ghar – Mera Ashiana (MPMG)
State Bank of Pakistan (SBP) & NAPHDA

Pakistan mein barhti hui mehngayi ke dor mein apna ghar banana mushkil zaroor hai, magar na-mumkin nahi. Government of Pakistan ne State Bank (SBP) ke sath mil kar "Mera Pakistan Mera Ghar" (MPMG) scheme ko naye features ke sath 2026 mein mazeed asaan bana diya hai.

Is post mein hum aap ko batayenge ke aap bank se sasta karza kaise le sakte hain, mahana qist (installment) kitni hogi, aur Punjab ki scheme se iska kya farq hai.

1. Mera Pakistan Mera Ghar (MPMG) Kya Hai?

Mera Pakistan Mera Ghar (jisay ab Mera Ghar – Mera Ashiana bhi kaha jata hai) aik Markup Subsidy Scheme hai. Iska matlab ye hai ke bank aap ko karza dega, lekin us karzy par jo sood (Markup) hota hai, uska bara hissa Hukumat-e-Pakistan ada karegi. Aap ko sirf aik mamooli aur fixed markup dena hoga.

Karzy Ka Maqsad:

Bana banaya ghar ya flat khareedne ke liye.
Plot khareed kar us par tameer (construction) karne ke liye.
Pehle se mojood ghar ki tousee (extension) ke liye.
Apne zati plot par naya ghar banane ke liye.

2. Punjab vs Federal Scheme: Confusion Khatam Karein

Boht se log confuse hain, is liye ye table lazmi parhein:

Feature	Mera Pakistan – Mera Ghar (Federal)	Apni Chhat Apna Ghar (Punjab)
Area	Poora Pakistan (All Provinces)	Sirf Punjab
Loan Type	Bank Loan (Subsidized Markup)	Interest-Free (Sood se Pak)
Max Amount	Rs. 10 Million (Tier 3)	Rs. 1.5 Million
Banks	Tamam Commercial Banks	Punjab Government Portal

Punjab Residents: Interest-free loan ke liye yahan click karein:

Apni Chhat Apna Ghar Program

3. Loan Tiers aur Markup Rates (2026 Update)

Hukumat ne is scheme ko 4 mukhtalif darjo (Tiers) mein taqseem kiya hai:

Tier 0 (Microfinance): Choty karzy (Rs. 20 Lakh Tak) jo Microfinance banks dete hain.
Tier 1 (NAPHDA Projects): Sirf un gharon ke liye jo Naya Pakistan Housing Authority ke projects hain. (Markup: Pehle 5 saal 3%, aglay 5 saal 5%).
Tier 2 (Non-NAPHDA): 5 marla tak ke ghar/flat ke liye. (Max Loan: Rs. 6 Million).
Tier 3: 10 marla tak ke ghar/flat ke liye. (Max Loan: Rs. 10 Million).

4. Karzy Ki Iqsaam (Loan Types & Categories)

Mera Pakistan Mera Ghar (MPMG) Scheme ke tehat aap do tarah ke projects ke liye karza le sakte hain. In ki tafseel niche di gayi hai:

1. NAPHDA Projects (Tier 1)

Ye karza sirf un gharon ya flats ke liye hai jo Naya Pakistan Housing and Development Authority ke makhsoos projects ka hissa hain.

Financing Limit: Aap ko Rs. 2.7 Million (27 Lakh) tak ka karza mil sakta hai.
Ghar Ka Size: Ye karza sirf 5 Marla (125 Sq. Yards) tak ke ghar ke liye hai, jis ka covered area maximum 850 Square Feet ho.
Flat/Apartment: Agar aap flat le rahe hain, to uska covered area bhi 850 Square Feet tak hona chahiye.
Property Ki Qeemat: Jis ghar ya flat ke liye aap apply kar rahe hain, us ki kul qeemat (Market Value) Rs. 3.5 Million (35 Lakh) se zyada nahi honi chahiye.

2. Non-NAPHDA Projects (Tier 2 & Tier 3)

Agar aap ka ghar NAPHDA ke project mein nahi hai (yani aap kisi aam colony ya apne plot par ghar banana chahte hain), to aap in do jagahon se karza le sakte hain:

A) Microfinance Banks Se (Tier 0):

Choty karzy lene walon ke liye Microfinance banks Rs. 2.0 Million (20 Lakh) tak ki financing faraham karte hain.

B) Commercial Banks / DFIs Se (Tier 2 & Tier 3):

Commercial banks se aap Rs. 10 Million (1 Crore) tak ka karza le sakte hain, jo ghar ke size par depend karta hai:

5 Marla Tak Ka Ghar: Agar aap ka ghar 5 Marla (125 Sq. Yards) tak hai ya flat 1,250 Square Feet tak hai, to aap ko Rs. 6.0 Million (60 Lakh) tak karza mil sakta hai.
10 Marla Tak Ka Ghar: Agar aap ka ghar 10 Marla (250 Sq. Yards) tak hai ya flat 2,000 Square Feet tak hai, to aap ko Rs. 10.0 Million (1 Crore) tak karza mil sakta hai.

5. Installment Plan (Estimated Monthly Qist)

Agar aap 20 saal ke liye karza lete hain, to Mahana qist ka Andaza yahan se lagayein:

Financing Amount	Pehle 5 Saal (Qist)	6 Se 10 Saal (Qist)
Rs. 1.0 Million (10 Lakh)	Rs. 6,600	Rs. 7,501
Rs. 2.0 Million (20 Lakh)	Rs. 13,199	Rs. 15,002
Rs. 5.0 Million (50 Lakh)	Rs. 33,000	Rs. 37,505
Rs. 10 Million (1 Crore)	Rs. 77,530	Rs. 87,487

Note: 10 saal ke baad ki qist us waqt ke KIBOR rate ke mutabiq hogi.

💡 Mazeed Sarkari Programs (Related Opportunities)
Agar aap is program ke liye Eligible nahi hain, to Pakistan Government ke in digar naye programs mein Apply kar sakte hain:
💳 KP Electronic Jaidad Card 2026: Apni zameen ka Digital Record aur security card hasil karne ke liye yahan click karein. 👉 Hamari Mukammal Guide Parhein
🚜 Zameen Green Card 2026 (Punjab): Punjab Land Record Authority ka naya Green Property Certificate hasil karne ka tariqa. 👉 Official Apply Link & Details
💻 PSDF "Mein Digital" Program: Dehati khawateen ke liye muft Desktop, Internet aur Rs. 5,000 wazifa. 👉 Apply Karne ka Tariqa
✈️ Tabeer Program (Overseas Jobs): Maryam Nawaz Sharif ka naya program—Bahar ke mulk jobs hasil karne ke liye muft training aur visa support. 👉 Mukammal Information Yahan Hai
💍 CM Punjab Dhee Rani Program: Ijtimai shadiyon ke liye Rs. 2 Lakh Salami aur saman hasil karne ki eligibility check karein. 👉 Online Apply Guide
🌈 Pehchan Program (Transgender Support): PSDF ke zariye muft hunar, toolkits aur mahana wazifa ki tafseel. 👉 Official Info Link

5. Eligibility Criteria (Kaun Apply Kar Sakta Hai?)

Shehriat: Tamam Pakistani jin ke paas valid CNIC ya NICOP ho.
Pehla Ghar: Ye sahulat sirf un ke liye hai jo pehli baar ghar ke malik ban rahe hain.
Aik Baar Mauqa: Aik shakhs poori zindagi mein sirf aik baar is subsidy ka faida utha sakta hai.
NAPHDA Shortlisting: Agar aap Tier 1 mein apply karte hain, to NAPHDA umeedwar ko shortlist karega.

6. Zarori Kaghazat (Documents Checklist)

Aap ko bank mein ye Documents jama karwane honge:

A. Salaried Persons (Mulazmat Pesha):

Original Salary Slip aur Job Certificate.
Pichle 6 mahine ki Bank Statement.
2 Passport size tasaveer aur CNIC copy.

B. Business / Self-Employed:

Business Proof (NTN ya Chamber certificate).
Bank Statement (Pichle 1 saal ki).
Account Maintenance Certificate.

C. Informal Income (Rehri-ban, Tailor, etc.):

State Bank ne in ke liye "Income Proxy Model" banaya hai. Agar aap ki salary slip nahi hai, tab bhi bank aap ke kharchon ka andaza laga kar karza de sakta hai.

7. Online Application aur Complaint System

State Bank ne logon ki asani ke liye aik Service Desk aur Complaint Portal banaya hai. Agar koi bank aap ko tang kare ya karza na de, to aap foran shikayat darj kar sakte hain.

Complaint Resolution Time: Maximum 8 working days.
Helpline: +92 (0) 3377786786

8. Official Links & Helpline

🌐 State Bank MPMG Portal: sbp.org.pk/smefd/mpmg
🌐 NAPHDA Official: naphda.gov.pk
📞 Helpline: 0337-7786786
📥 Download Flyers for more infomation:

9. Sawal Aur Jawab (FAQs)

Q1: Kya overseas Pakistani apply kar sakte hain?

Jawab: Ji han, NICOP rakhne wale Pakistani overseas bhi apply kar sakte hain.

Q2: Kya main purana ghar khareed sakta hoon?

Jawab: Ji han, magar ghar ki halat aur malkiat ke kaghazat bank se tasdeeq shuda hone chahiye.

Q3: Processing fees kitni hai?

Jawab: SBP ki hidayat ke mutabiq, banks ko processing fees kam se kam rakhni hoti hai (aksar banks zero fees lete hain).

Q4: Agar meri income kum ho to?

Jawab: Aap apne ghar ke kisi dusre fard (Bhai, Walid, ya Biwi) ko co-applicant bana kar apni "Joint Income" dikha sakte hain.

Q5: Kya plot khareedne ke liye karza milega?

Jawab: Sirf khali plot ke liye nahi milega. Aap ko plot khareed kar us par tameer ka plan dena hoga.

Q6: Karza wapas karne ki muddat kitni hai?

Jawab: Aap 5 saal se lekar 20 saal tak ka time chun sakte hain.

Q7: Kya ye Islamic mode mein dastyab hai?

Jawab: Ji han, tamam baray banks (Meezan Bank, Faysal Bank) isay Shariah-compliant mode mein de rahe hain.

Q8: Ghar ka size kitna hona chahiye?

Jawab: Tier 1 aur 2 ke liye 5 Marla (125 sq Yards) tak, aur Tier 3 ke liye 10 Marla (250 sq yards) tak.

Q9: Application reject hone ki bari wajah kya hai?

Jawab: Bank defaulter hona ya Property ke kaghazat mein masla hona.

Q10: Kya main kisi bhi bank mein ja sakta hoon?

Jawab: Ji han, tamam Commercial aur Microfinance banks is Scheme mein shamil hain.

💡 Mashwara (Advice)

Pre-Approval Hasil Karein
Dosto, ghar pasand karne se pehle kisi bhi bank ki qareebi branch jayein aur apni 'Eligibility' check karwayein. Is se aap ko pata chal jayega ke bank aap ko kitna loan de sakta hai.
Punjab Residents Ke Liye Tip
Agar aap Punjab mein rehte hain aur aap ko sirf 15 lakh tak ka karza chahiye, to pehle Apni Chat Apna Ghar scheme check karein kyunke wo 100% sood se Pak hai. Agar aap ko bari raqam (30-50 lakh) chahiye, to phir MPMG behtareen hai.

Shukriya!
Agar koi bi Sawal poochna ho to app Comment Box mein likh sakte hain.

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Mera Pakistan Mera Ghar 2026: Online Apply, Installment Calculator & Eligibility