The Mera Pakistan Mera Ghar (MPMG), launched in collaboration with the State Bank of Pakistan (SBP), aims to provide housing finance at low mark-up rates to individuals who are purchasing or constructing their first home. Key details of the scheme relevant for November 2025 are as follows:
1. Scheme Features and Objectives
- Goal: To provide subsidized loans for building or acquiring a house to underprivileged and low-income segments of the country.
- Financial Institutions: The loans are available through all commercial and Islamic banks, as well as the House Building Finance Corporation (HBFCL).
- Maximum Tenure: The maximum loan tenure under this scheme can extend up to 20 years.
2. Subsidy and Mark-up Rates (November 2025 Update)
The government provides a mark-up subsidy for the first 10 years, significantly reducing the burden on the borrower:
| Tier | Maximum Loan Amount | Customer’s Fixed Mark-up Rate for the First 10 Years |
| Tier 1 | Up to Rs. 2 million | 5% (Five Percent) |
| Tier 2 | Above Rs. 2 million up to Rs. 3.5 million | 8% (Eight Percent) |
- Note: After 10 years, the mark-up rate will revert to a variable rate based on the prevailing KIBOR + 3%. Banks are not allowed to charge any processing fee for MPMG loan applications.
3. Eligibility Criteria
- Citizenship: All resident Pakistani citizens holding a valid CNIC.
- Home Ownership: The applicant must be a first-time home owner. This means no residential unit should be registered in the applicant’s name.
- Income: A minimum aggregate monthly income of Rs. 40,000 is generally stipulated.
- Size: The loan can be granted for the construction or purchase of a house up to 5 Marla or a flat/apartment up to 1360 square feet.
Government Welfare Programs (November 2025)
In addition to MPMG, the following important programs for low-income individuals and the working class are active in November:
1. Khushaal Pakistan Program (Interest-Free Loans)
- Details: This program is designed to empower BISP-registered beneficiaries, women, widows, and disabled individuals economically.
- Assistance: It provides interest-free (0% mark-up) loans ranging from Rs. 50,000 to Rs. 150,000 to start small businesses or pursue self-employment ventures.
2. Workers’ Welfare Fund (WWF) Grants
- Details: The WWF provides educational scholarships, marriage grants, and death grants to registered industrial workers and their families nationwide.
- November Update: In November 2025, updates regarding the potential increase in the amount of Marriage and Death Grants are active, offering substantial financial relief to workers’ families. Workers can submit applications for these grants at WWF offices.
3. Benazir Income Support Programme (BISP) Payments
- November Installment: The distribution of the latest quarterly installment of Rs. 13,500 under the Benazir Kafalat Program is continuing in November 2025, providing direct financial assistance to the poorest families in the country.
- 8171 Portal: Beneficiaries can use the 8171 web portal or SMS service with their CNIC to confirm their payment status.
4. Increase in Rental Ceiling for Federal Government Employees
- Details: Following Federal Cabinet approval, the Ministry of Housing & Works has issued a notification effective November 1, 2025, announcing an 85% increase in the residential rental ceiling for Federal Government employees. This represents a major financial relief for government workers.
Important Precautions
To safely benefit from government schemes, please observe the following precautions to avoid fraud:
- Direct Contact: For complete details on the schemes, always contact the relevant banks (for MPMG), BISP Tehsil Offices, or official government portals.
- Confidentiality: No government agency will ever ask for your ATM PIN, passwords, or other personal financial details over a phone call. Do not respond to any such calls or messages.
