+92 000 0000000 admin@nphp.com.pk

meezan bank house loan


We all have a dream to live in a house of our own. Due to financial distress, most of us 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, Meezan Bank is successfully providing housing loans to the masses through Meezan Bank Naya Pakistan Housing Scheme loan facility.

Meezan Bank – Mera Pakistan Mera Ghar:

Meezan Bank Naya Pakistan Housing Scheme loan facility is distributing low-cost housing loans to people. The purpose is to assist the middle and lower-middle-class people to build their homes or first buy newly built affordable housing units in a completely Shariah-compliant way using the Diminishing Musharakah mode of financing.

Meezan Bank – Mera Pakistan Mera Ghar

Eligibility Criteria:

The candidates would be eligible for the Meezan Bank Naya Pakistan Housing Scheme loan facility as per the following criteria.

1. Citizenship:

The candidates (male or female) should be Pakistani nationals holding valid CNIC.

2. Home Owner:

The candidate must be a first-time homeowner, one unit per household.

3. Housing Finance Facility:

The candidate can avail himself/ herself of the subsidized housing finance facility under this scheme only once.

4. Unit to be Financed:

The bank loan facility is applicable only for construction and the first purchase of newly constructed affordable housing units.

5. Collateral Security Requirement:

For NAPHDA Projects, the trust will be responsible for the title documents. For the Non-NAPHDA Projects, the financed housing unit will be mortgaged in favor of the financing bank according to the Banks’ credit policy and prudential regulations for housing finance.

Meezan Bank Processing Charges:

Below are the processing charges of Meezan Bank:

Processing charges:

  • For Salaried: PKR 8,000
  • For Businessmen: PKR 8,000

FED on Processing 16%:

  • For Salaried: PKR 1,280
  • For Businessmen: PKR 1,280

Legal Report Charges:

  • For Salaried: At Actual
  • For Businessmen: At Actual

Property Valuation Charges:

  • For Salaried: At Actual
  • For Businessmen: At Actual

Income Estimation Charges:

  • For Salaried: At Actual
  • For Businessmen: At Actual

The candidates must keep in mind that the documentation charges are exclusive of the above-mentioned charges. The documentation charges will be required at the time of signing the Musharakah Agreement as per the limits of financing. The charges may vary as announced in provincial/federal budgets.

Key Qualification Criteria:

The key qualification criteria of the Meezan Bank Naya Pakistan Housing Scheme loan facility is mentioned below:

Allowable Financing Cities:

The financing cities include all the cities of Pakistan where Meezan Bank has its branch network.

Age of Applicant or Co-applicant:

The age of the candidate must be between 25 years to 60 years/ retirement age.

Monthly Income:

The candidate must have a net disposable income of a minimum PKR 25,000/- per month.

Employment or Business Tenure:

The candidate must have minimum employment or business tenure of 5 years.

Co-applicant Income Clubbing:

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

Debt Burden Ratio (Payment Burden Ratio for Islamic):

The debt burden ratio (payment burden ratio for Islamic) is up to 45%.

You can get the application form, payment plan, and details on the required documents for this loan facility.


Mera Pakistan Mera Ghar scheme is helping the middle and lower-middle classes of Pakistan to become homeowners. In this respect, Meezan Bank is offering Meezan 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.


Tags: apna ghar scheme, housing scheme, meezan bank home loan scheme 2020, meezan bank house loan, meezan bank housing scheme, meezan bank loan for home, meezan bank loan scheme, meezan bank loan scheme 2020, meezan bank naya pakistan housing scheme, mera ghar mera pakistan, mera pakistan mera ghar housing scheme, mera pakistan mera ghar meezan bank, naphda, naya pakistan, naya pakistan housing, naya pakistan housing loan, naya pakistan housing scheme, naya pakistan housing scheme loan, naya pakistan housing scheme payment plan, prime minister house loan scheme in pakistan