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Naya Pakistan Housing Scheme


We all have a dream to live in a house of our own. Due to financial problems, many people are unable to realize this dream. Naya Pakistan Housing Program has initiated a flagship project by the name of Mera Pakistan Mera Ghar to help people become homeowners.

Under this scheme, various banks within Pakistan are offering affordable loans and housing finance to people who wish to construct homes but are unable to do so due to a lack of resources. Among these banks, Habib Bank Limited (HBL) is successfully providing housing loans to the masses through the HBL Naya Pakistan Housing Scheme loan facility.


HBL Financing Types:

HBL offers the following home financing types:

Buying a Home:

You can buy a built home through this facility.

Buy and Build a Home:

You can avail yourself of this facility if you want to buy a piece of land to construct a house.

Note: The financing facility will be available for expansion or extension of an existing housing unit. The condition, however, is that the housing unit after expansion/extension falls within the criteria specified under the facility. This facility does not allow financing for the renovation of an existing housing unit.

Features of HBL Naya Pakistan Housing Scheme Loan:

Below are the features of HBL Naya Pakistan Housing Scheme home financing under NAPHDA projects:

Size of the Housing Unit:

  • The size of a housing unit should be up to 125 square yards (5 Marla)
  • The apartment should have a maximum covered area of up to 850 square feet

Maximum Price of Housing Unit:

The maximum price of the housing unit should be PKR 3.5 million.

Maximum Financing:

HBL offers the maximum housing finance of PKR 2.7 million.

Contribution from Customer:

The customer has to contribute 10% of the property value.

Eligibility Criteria:

The eligibility criteria for the HBL Naya Pakistan Housing loan facility are below:

  • All Pakistani (men and women) holding a valid CNIC
  • Applicants should not own a house
  • First-time homeowner, one unit per household
  • A candidate can avail of this subsidized housing finance facility only once
  • The loan scheme applies only for construction & first purchase of newly constructed affordable housing units

Key Qualification Criteria:

The key qualification criteria of the HBL loan facility are below:

Allowable Financing Cities:

The financing cities include all the cities of Pakistan where HBL Islamic Banking has its branch network.

Monthly Income of the Candidate:

HBL has no requirement regarding the monthly income of the candidate.

Work Experience:

HBL has the following work experience criteria for the candidates:

1. Salaried (Existing HBL Customer):

Gov/AOL Employee – 6months

Non-AOL Employee – 1 Year

2. Salaried (New Customer):

Gov/ AOL Employee – 1 Year

Non-AOL Employee – 2 Years

3. Self-Employed:

Existing HBL Customer – 1 year old business

New Customer – 2 years old business

Co-applicant Income Clubbing:

Only up to 4 co-applicants are allowed for 100% clubbing.

Tenor and Rates:

The financing tenure ranges from 5 years to 20 years.

Subsidized Rate:

First 5 Years:


Next 5 Years:


For Period exceeding 10 Years:

1 year KIBOR plus 2.5%

How to Apply?

If you want to apply for the HBL Naya Pakistan Housing Scheme loan Facility, please visit your nearest HBL Islamic branch.​

HBL Guiding Principle:

Through the housing finance facility of HBL, the bank and customer become joint owners of a property. Bank’s ownership share is divided into specific units that a customer purchases from time to time to become a complete owner of the property. The customer pays agreed rents for using the bank’s share in the property till s/he gets the complete ownership of the property.


Mera Pakistan Mera Ghar scheme is helping the middle and lower-middle classes of Pakistan to become homeowners. In this respect, HBL Islamic Banking is offering HBL Bank Naya Pakistan Housing Scheme loan facility with the support of the government of Pakistan and the State Bank of Pakistan. This facility provides affordable loans under simple conditions. This initiative is helping a myriad of Pakistanis to realize their dream of owning a home.

For more details, visit the official website of the Naya Pakistan Housing Program or call 033 77 786 786​.


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