ReptoState — Innovative Investments
Subsidised home finance

Mera Ghar Programme — first-time buyer track.

Pakistan's subsidised housing-finance scheme has had several iterations under different names. Below is what we know about the 2026 window, and how ReptoState helps you apply. Final rules are set by the State Bank and the participating banks — not by us.

Honest note. ReptoState is not the originator of this scheme. We track the published rules and route eligible applications to the participating banks. Where official 2026 rules have not yet been published, this page says so instead of guessing.
At a glance

Who the programme is for — in plain words.

First-time buyers only

Designed for Pakistani citizens buying their first home — not for additional or investment properties.

Subsidised profit rate

The participating bank charges a subsidised rate for the first several years, with the State Bank covering part of the spread.

Caps on property value

Programme is limited to homes under a published ceiling. The cap is set per income tier and is reviewed annually.

Eligibility checklist

The eligibility rules we are tracking for 2026.

Each row below is a placeholder until the State Bank publishes the final 2026 rules. Where a row reads {{ FOUNDER: ... }} the value is intentionally not stated — we do not guess at numbers in compliance copy.

Programme name (2026)
Official name as published by SBP / Government of Pakistan in 2026: {{ FOUNDER: programme_official_name }}.
Applicant
Pakistani citizen with a valid CNIC. First-time home buyer — has not previously owned residential property in Pakistan. Age between 18 and the bank's retirement-age ceiling at loan maturity.
Maximum property value
Property value at the time of purchase must be at or below the published ceiling: {{ FOUNDER: max_house_value_pkr }}.
Maximum household income
Income tiers gate the subsidy level. Upper ceiling: {{ FOUNDER: max_household_income_pkr }}.
Maximum subsidised loan
Subsidy applies up to a fixed loan amount; any tranche above this is charged at the bank's normal rate. Cap: {{ FOUNDER: max_subsidised_loan_pkr }}.
Minimum down payment
Typically a fixed percentage of the property value, often around 10–20%. Confirmed figure for 2026: {{ FOUNDER: min_down_payment_pct }}%.
Subsidised rate
Conventional and Islamic windows operate side-by-side at the participating banks. Final subsidised rate: {{ FOUNDER: subsidy_rate_pct }}% p.a. for the subsidised tranche.
Participating banks
Confirmed by SBP each year. 2026 panel: {{ FOUNDER: participating_banks }}.
Application window
Open/close dates published with the circular. Current window: {{ FOUNDER: scheme_window_open_close }}.
Source
Verify everything above against the State Bank circular: {{ FOUNDER: source_url }}.

Until the official 2026 circular is published by the State Bank, do not rely on this page for irreversible financial decisions. We will publish the SBP source URL on this page the moment the rules are out.

How ReptoState helps

We don't replace the bank. We just save the running around.

  1. 1

    We check your eligibility

    Income, property value, employment history and existing obligations are run against the 2026 thresholds before anyone files a formal application.

  2. 2

    We watch the window

    The application window opens and closes on dates set by the State Bank. We notify you the moment your file becomes submittable.

  3. 3

    We route to the bank

    Final paperwork, valuation, and disbursement happen directly with a participating bank. You sign with them, not with us.

Ready to start? Begin with a pre-approval.

Mark Mera Ghar as your preferred track on the form. We will check the published 2026 ceilings against your income, property value and existing obligations before forwarding to a participating bank.

Apply for pre-approvalFirst try the EMI calculator