Mera Pakistan Mera Ghar

The Bank of Punjab, under guidance of State Bank of Pakistan through Prime Minister’s NAYA Pakistan Housing Program and NAPHDA is
contributing towards country’s development and prosperity by fulfilling dreams of millions through financing for affordable (low cost) housing.
Product features & Benefits
Tiers Size of Housing Unit Maximum Price of Maximum Rental Rate
Single Housing Financing
Unit
Tier (T1) a. House up to 125 sq. yds. (5 3% (fixed) for first 5 years &
Marla) with maximum
(NAPHDA Projects) 5% (fixed) for next 5 years.
covered area of 850 sq. ft.
and For loan tenures exceeding 10 years; Bank’s Housing Finance
b. Flat/apartment with Rs. 3.5 Million Rs.2.7 Million mark up rates i.e. bank pricing will be applicable for the period
exceeding 10 years.
maximum covered area of
850 sq. ft. ** Rs.300,000 Subsidy by Government of
Pakistan.
Tier 2 (T2) a. House up to 125 sq yds (5 5% (fixed) for first 5 years &
Marla) and
(Non-NAPHDA 7% (fixed) for next 5 years.
b. Flat/apartment with No Cap Rs.6.0 Million
Projects)
maximum covered area of For loan tenures exceeding 10 years; Bank’s Housing Finance
1,250 sq ft. mark up rates i.e. bank pricing will be applicable for the period
exceeding 10 years.

Tier 3 (T3) a. House up to 250 sq. yds. 7% (fixed) for first 5 years &
(10 Marla) and
(Non-NAPHDA 9% (fixed) for next 5 years.
b. Flat/apartment with No Cap Rs.10.0 Million
Projects)
maximum covered area of For loan tenures exceeding 10 years; Bank’s Housing Finance
2,000 sq. ft. mark up rates i.e. bank pricing will be applicable for the period
exceeding 10 years.

Financing Tenure Minimum 5 years and maximum 20 years loan tenor, depending upon choice of customers.
Basic Eligibility ● All Men/women holding CNIC
Criteria ● First time home owner
● An individual can have subsidized house loan facility under this scheme only once
Unit to be financed ● Purchase of Constructed House/Apartment
● Purchase of Plot & Construction there on
● Construction on Self-Owned Plot
● Expansion/Extension of existing Housing Unit