House Loan Scheme 2025 – Get Up to 35 Lakh Home Loan in Pakistan

Introduction

House Loan Scheme 2025 the waiting time is over.Every one wants to have their own house. Every person feels safe in their own house. And this is the reality. But due to inflation in Pakistan, it does not seem that a common man can buy his own house. A poor man faces difficulties throughout his life and dreams of his own house. That he will one day get his own house but not only inflation is a hindrance but also the rising land prices crush his dream, so it is very difficult to save money from his salary. Keeping this problem in mind, the Pakistani government has launched a new House Loan Scheme 2025. Under this scheme, eligible individuals will be given loans of up to Rs 35 lakh at a low markup. If you want to buy your new house or want to build an existing house first, you can get a lot of help through this scheme in buying your own house. In this article, you will get all the details like how to apply and what are the eligibility criteria.

Objective of the Scheme

The scheme has been launched by the Government of Pakistan. How will it benefit the common people?

This scheme will help the common citizens to get their own house and fulfill their long-standing dream.

The sectors doing business in real estate and construction will be promoted.

The increase in construction work will also create employment, which will enable workers to earn from engineers and help stimulate the economy.

The most important objective of this program is that affordable housing will be made accessible to the middle-class people whose income is very low and they cannot buy their own house on their own.

This step is part of a very big effort in the development of Pakistan. This scheme will benefit everyone, whether they are workers, engineers or salaried people. It will also benefit small and big business owners and the poorest of the poor will also benefit. And the deserving people will get their own house.

Who Can Apply?

👤 Who can apply in this scheme has been explained in detail.

First of all, to apply in this scheme, it is very important that you are a Pakistani citizen.

Salaried people who can be government employees or those who do a private job can apply in this scheme.

People who do freelancing and know that their income is stable can also apply. Apart from this, business owners can also apply.

People who do not have a house before and want to buy a house for the first time can also apply in this scheme.

Those who live in a joint family and those people want to buy their own separate house, such people can also apply easily.

Also Read : Apna Rozgar Rickshaw Scheme 2025

Eligibility Criteria

📋 Eligibility Criteria for the House Loan Scheme 2025

✅ The applicant's age should be more than 21 years and less than 60 years for the application to be approved.

✅ The applicant must have a valid computerized identity card (CNIC).

✅ Proof of income is required. If you are a salaried person or a business owner, you must provide income proof.

✅ Bank statement of at least six months is mandatory for applicants.

✅ The applicant's credit history must be clean with no default record.

Step-by-Step Application Process

Applying for the House Loan Scheme 2025 is very easy. You have been told in simple words. You just have to follow these steps:

Choose a Participating Bank

🏦 From whichever bank you want to take a loan, you have to create your account on the official website of your chosen bank or visit the branch of that bank. After that, you have to fill in the house loan application form in which you will fill in all your information and attach all the documents.

Go To: Meezan Bank Official Website

Prepare Required Documents

You will need to submit the following documents to apply for the scheme:

🆔 First of all, you should have your National Identity Card (NIC) with you
🖼 Keep two to four photographs of the password size with you
💰 if you have proof of income such as salary slip or business records, then you have to attach them
🏦 Six months of bank statements
📄 Proof of employment (for salaried individuals)
🧾 NTN certificate or tax return (if available)
🏠 Property-related documents (if buying or building a house)

Fill Out the Application Form

🏦 From whichever bank you want to take a loan, you must either:

Create your account on the official website of your chosen bank, or
Visit the nearest branch of that bank in person.

📋 After that:

Fill out the house loan application form with all your personal and financial details.
Attach all the required documents (CNIC, photographs, proof of income, bank statements, etc.).
Submit the form and wait for the bank to review and approve your application.

Verification & Evaluation The bank will:

The bank will verify all the details and documents provided by you once

Will verify your identity and income

And then estimate how much you are able to pay

Will also estimate the property from which you want to buy or build

Last but not least, the credit history of the applicant will also be checked

Loan Approval & Agreement Signing

📄 If your application form and all submitted documents are accurate and there are no discrepancies, the bank will proceed with approval.

💰 Approval Steps:

Loan Approval – Your loan request will be officially sanctioned.
Terms & Conditions – The bank will inform you about:
- Repayment schedule 🗓️
- Interest rate 💹
- Any other applicable charges 💵
Formal Agreement – You will be required to sign a legal agreement to confirm acceptance of the loan terms.

Disbursement of Loan

💰 After your application is reviewed and the loan is approved, the loan amount will be transferred to your bank account or paid to the seller of the property or the builder, who will build your house on their own.

Categories of the Loan Scheme

🏠 House Don Scheme 2025 has been divided into three tiers. These three tiers have been made based on the income 💰 and size of the property 📏. Their details are as follows:

1️⃣ First Tier

📐 The size of the property that has been kept for the beneficiaries of the Naya Pakistan Houses Scheme is 125 square meters in five stages.
🏢 The covered area that will be included in it is up to 850 square feet.
💵 The interest rate that will be applicable in it will be three percent for the first five years and five percent later.
💳 The loan amount in the first tier has been kept at Rs 3.5 million.

2️⃣ Second Tier

🏘 The second tier of the loan is for small and medium-sized house builders.
📐 The property that will be provided in this tier will be up to five marla and the limit of the loan has been kept at Rs 3.5 million.
💵 In this tier, the interest will be charged at five percent for the first five years.

3️⃣ Third Tier

🏠 The third tier of the loan is for large houses.
💵 In this tier, the interest will be charged at five percent for the first five years.
📐 Property up to 10 marla will be provided.
💳 The loan limit has been fixed up to Rs 10 million and considering the conditions of subsidy, it will be known as a maximum of Rs 35 lakh.
📊 The interest rate in this will be based on the bank's regulatory conditions and subsidy will also be provided.

Monthly Installment Examples

📊 Here, you have been given some examples to explain how your loan installments will be paid 💵 or how much they will be and in how many years ⏳.

💰 If you take a loan of 10 lakhs, its term will be up to 10 years.
📅 The monthly installment that you will have to pay on this loan is 10 thousand to 12 thousand.

💰 If you take a loan of 20 lakhs under this scheme, its term will be up to 15 years.
📅 The monthly installment of this amount is from 15 thousand to 17 thousand.

💰 If you take a loan of up to 35 lakhs, its term will also be 1 year.
📅 You will have to pay its monthly installment from 22 thousand to 25 thousand.

⚠️ Keep in mind that this figure is only an idea 💡. You can get the exact information only through the bank representative 🏦.
📲 You will get the markup rate, town panel payments and various other details directly from the bank application.

Also Read : PM Youth Business & Agriculture Loan Scheme 2025 Guide

Final Thoughts

🏠 House Loan Scheme 2025 is a very big project. It is much more important than a financial project — it works for a new hope for every Pakistani. Only those people who do not have their own vision, live on rent, and whose own house is just a dream can really know the importance of this program. But this dream will be fulfilled through the scheme. Even if your income is low or you cannot save, this scheme is for you. Try to build your own house through this scheme and try to be very loved.

🏡 When you can fulfill your dreams by living in your own house, then why pay rent forever? If you think that you can pay the monthly installments and you are eligible, apply now. Don’t delay.

Clickable FAQ Section

What is the House Loan Scheme 2025? ▼

The House Loan Scheme 2025 is a federal government initiative that provides loans up to PKR 3.5 million for home construction or purchase, with low markup rates and easy repayment plans.

Who is eligible for this scheme? ▼

Pakistani citizens aged 21–60 with a valid CNIC, a clean credit history, and a verifiable source of income are eligible to apply.

What documents are required for application? ▼

Required documents include CNIC, proof of income (salary slip or business proof), bank statements, and property documents if applicable.

How can I apply for the House Loan Scheme 2025? ▼

You can apply online through the official government loan portal or visit designated bank branches participating in the scheme.

What is the repayment period for the loan? ▼

The repayment period can be up to 20 years, depending on the loan amount and your repayment capacity.

Search This Blog