🏡 Mera Pakistan Mera Ghar (SBP Federal Scheme) 2026
Federal Government of Pakistan aur State Bank of Pakistan (SBP) ne aam shehriyon ke liye apna ghar banana asan kar diya hy. "Mera Pakistan Mera Ghar" (MPMG) aik markup subsidy scheme hy jis ke tehat bankon se Rs. 10 Million (1 Crore) tak ka karza sasti sharait par liya ja sakta hy.
Loan Tiers & Subsidized Rates
SBP ne is karzay ko 3 mukhtalif categories (Tiers) mein taqseem kiya hy takh sasta markup diya ja sakay:
| Tier Category | Max Financing | Markup (Yr 1-5) | Markup (Yr 6-10) |
|---|---|---|---|
| Tier 1 (NAPHDA) | Rs. 2.7 Million | 3% Fixed | 5% Fixed |
| Tier 2 (Up to 5 Marla) | Rs. 6.0 Million | 5% Fixed | 7% Fixed |
| Tier 3 (Up to 10 Marla) | Rs. 10.0 Million | 7% Fixed | 9% Fixed |
Smart Tier Estimator
🟢 SBP Loan Eligibility Checker
Find out your Markup Tier based on your loan amount requirement:
Participating Banks (Apply Here)
State Bank of Pakistan ne tamam baray commercial bankon ko is scheme mein shamil kiya hy:
🏦 National Bank (NBP)
🏦 Meezan Bank
🏦 Habib Bank (HBL)
🏦 Bank of Punjab (BOP)
🏦 United Bank (UBL)
How to Apply (Step-by-Step Guide)
- Step 1: Property Finalize Karein: Naya ghar, khali plot ya under-construction property muntakhib karein.
- Step 2: Bank Visit: Apnay qareebi authorized bank branch jayein aur "Housing Finance Officer" se milain.
- Step 3: Document Submission: Salary slips, original CNIC, aur property ke kagazat (Fard/Registry) jama karwayein.
- Step 4: Legal Verification: Bank ki team aap ki amdani aur property ki tasdeeq (verification) karegi.
- Step 5: Approval: Verification ke baad loan approve ho jayega aur installments shuru ho jayengi.
⚠️ Fraud Warning: Federal Government ne is scheme ke liye koi "Private Agent" ya WhatsApp helpdesk muqarrar nahi kiya. Kisi bhi agent ko "Application fee" ke naam par paise na dain.