Step 1
Choose a participating bank such as UBL and ask for the latest MPMG/NAPHDA status.
ActiveActive (Multiple Tiers)Housing & Construction
Mera Pakistan Mera Ghar (MPMG)
میرا پاکستان میرا گھر
MPMG is a housing finance guide for low and middle-income applicants seeking bank-backed home purchase or construction loans.
Program Start
2020
Last Updated
2026
Application Mode
Online and offline
Overview
The scheme is structured through banks with tiers based on property size, NAPHDA link, loan amount, and repayment profile.
Applicants should confirm current bank availability, markup subsidy rules, and NAPHDA project status before paying any booking amount.
Eligibility Criteria
Positive checklist
- Pakistani citizen with valid CNIC/NICOP.
- First-time home buyer or applicant meeting bank housing-finance rules.
- Age generally 25-60 with minimum monthly income around Rs. 25,000 or bank-accepted repayment capacity.
- Property is legally clear and meets tier requirements: Tier 1 NAPHDA, Tier 2 non-NAPHDA 5 marla, or Tier 3 larger unit.
Not Eligible / Cautions
- Poor credit history, default record, or insufficient income can lead to bank rejection.
- Disputed, undocumented, or non-approved property cannot be financed.
- Applicants should not rely on private agents claiming guaranteed approval.
- Terms can differ by bank and current government/SBP notification.
How to Apply
Follow the official route below. Do not pay private agents for registration.
Step 2
Prepare CNIC, income proof, bank statements, property documents, and application form.
Step 3
Submit the loan file for bank credit assessment, property valuation, and legal review.
Step 4
After approval, complete mortgage documentation, disbursement, and installment schedule.
Required Documents
CNIC/NICOP of applicant and co-applicant if any
Salary slip, business income proof, or bank statement
Property allotment, sale, title, or construction documents
Bank application form and credit consent
Payment / Benefit Collection Guide
Participating Bank
Call the bank before visiting; UBL MPMG helpline is listed in Helpline Hub.
Tier Selection
Match Tier 1, 2, or 3 to property size and project type.
Property Review
Do not pay major funds before legal and bank checks are clear.
Installment Planning
Ask for written repayment schedule and total cost before signing.
Bank loan disbursement
NAPHDA or seller payment
Construction-stage release
Monthly installment repayment
FAQ
No. It is housing finance through banks and must be repaid.
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Disclaimer: This is an independent information guide, not a government website. Always verify on the official portal: Naya Pakistan Housing and Development Authority.