Government’s Markup Subsidy Scheme for Housing Finance
HABIBMETRO Bank brings to you Mera Pakistan Mera Ghar, Government’s Markup Subsidy Scheme for Housing Finance under the guidance of the State Bank of Pakistan. This facility enables you to fulfil your dream of owning your own home with an affordable and easy repayment plan. This facility is available nationwide at designated branches.
The facility offers the following options for your dream home
Purchase of constructed house and Flat/ apartment
Purchase of Plot + Construction
Construction of housing unit on an already owned plot
Expansion/Extension of existing Housing Unit
Product Features & Benefits
Description | Tier 1
(NAPHDA Projects) |
Tier 2
(Non-NAPHDA) |
Tier 3
(Non-NAPHDA) |
Maximum Property Value | Rs. 3.5 Million | No Cap | No Cap |
Maximum Loan Amount | Rs. 2.7 Million | Rs. 6.0 Million | Rs. 10.0 Million |
Loan to Value | Up-to 90% | Up-to 85% | |
Markup Rate | 3% for first 5 Years
5% for next 5 Years
1 Year KIBOR + 250 bps for period exceeding 10 years |
5% for first 5 Years
7% for next 5 Years
1 Year KIBOR + 400 bps for period exceeding 10 years |
7% for first 5 Years
9% for next 5 Years
1 Year KIBOR + 400 bps for period exceeding 10 years |
Tenor | Minimum 5 Years and Maximum 20 Years | ||
Size of Property | a) House up to 125 sqyds.
(5 Marla) with maximum covered area of 850 sq. ft.
b) Flat/apartment with maximum covered area of 850 sq ft |
a) House up to 125 sqyds (5 Marla)
b) Flat/apartment with maximum covered area of 1,250 sq ft. |
a) House up to 250 sqyds (10 Marla)
b) Flat/apartment with maximum covered area of 2,000 sq ft. |
Processing Fee | Rs. 5,000/- | ||
Balloon Payment / Early Settlement Charges | Nil |
Eligibility Criteria
All men/women holding valid CNIC
First-time homeowner, one unit per household
One individual can have a subsidized house loan facility under this scheme only once
Minimum Monthly Income Required Rs. 25,000/-
Up-to 4 Co-Applicant also allowed (Blood Relatives only)
Minimum 5 years of employment/business experience
Age of Applicant & Co-Applicant: 25 to 60 Years*
*At Maturity of facility
Minimum Documentation
Filled out Application Form
CNIC copy of the applicant / co-applicant
Proof of income documents
Copies of property documents/details of property
For more details, please call HABIBMETRO Contact Center at 111-142-242 or talk to our branch representative by visiting your nearest HABIBMETRO branch.