Mera Pakistan Mera Ghar 2026 — Current Status

Mera Pakistan Mera Ghar is not accepting new applications in 2026. The scheme was suspended after the federal government changed in 2022, and no new registration has opened since. Families with pending applications from 2020 to 2022 should contact their participating bank directly with their CNIC and application reference number to check the status of their file. Two housing schemes are currently active for Pakistani families looking for home finance right now — one at the federal level and one specifically for Punjab residents.

What Was Mera Pakistan Mera Ghar

Mera Pakistan Mera Ghar was a federal housing finance scheme launched in 2020 under the Naya Pakistan Housing Programme. It offered subsidized home construction and purchase loans through participating banks at markup rates between 3% and 5%, significantly below standard commercial rates. Families earning up to Rs. 100,000 per month could apply through banks including HBL, UBL, Meezan Bank, Bank of Punjab, and Allied Bank. The State Bank of Pakistan administered the markup subsidy and set the eligibility rules for participating lenders.

Current Status of Mera Pakistan Mera Ghar in 2026

The scheme stopped accepting new applications in 2022. SBP has not issued any circular reopening MPMG registration as of 2026. All participating banks have closed their MPMG application windows. Families who applied between 2020 and 2022 and received a sanction letter from their bank may still have their loan disbursed — the bank holds your file and can confirm whether it is still active.

What to Do Instead

Two schemes are open and verified for 2026. If you were planning to apply for MPMG, these are the practical options available now.

For families anywhere in Pakistan, Mera Ghar Mera Ashiana — the active federal housing loan scheme is the current federal-level programme offering subsidized home construction loans for first-time buyers. Applications are processed through participating banks. The scheme is currently accepting registrations.

For Punjab residents, the Apni Chhat Apna Ghar scheme for Punjab residents provides interest-free loans up to Rs. 15 lakh for home construction. It targets lower-income families who own a plot but cannot afford to build. Registration runs through the official ACAG portal at acag.punjab.gov.pk.

A full comparison of currently active options is on the all government housing schemes in Pakistan page, updated as schemes open and close.

What to Do If Your MPMG File Is Stuck

Call the home finance department of the bank where you originally applied. Give them your CNIC and application reference number and ask whether your file is still active under the existing SBP circular or whether it has been closed. Keep all original documents with you — CNIC, income proof, and property papers — as banks may request them again before any disbursement.

If the bank confirms your loan was sanctioned before the scheme ended but has still not been disbursed, ask them in writing whether they are still legally obligated to disburse under the SBP circular issued at the time of your sanction.

If the bank has closed your file and you believe the closure was incorrect, submit a written complaint to the State Bank of Pakistan’s Banking Mohtasib at bankingmohtasib.gov.pk. Include your CNIC, your application reference number, and the name of the bank in the complaint. The Banking Mohtasib handles disputes between bank customers and licensed banks in Pakistan. No MPMG-specific helpline is currently active — all queries must go through the bank directly or through the Mohtasib in writing.

Families whose files were rejected before the scheme closed and who have a plot ready can move directly to the Apni Chhat Apna Ghar application process in Punjab, or check Mera Ghar Mera Ashiana for federal eligibility. Both schemes have separate eligibility rules from MPMG and a new application is required — your old MPMG application does not carry over.

Mera Pakistan Mera Ghar is not a viable path for new applicants in 2026. If you applied before 2022 and had a sanction letter, call your bank this week to get a written status update on your file. For new applications, both active federal and Punjab schemes have open registration right now.

FAQ

Is Mera Pakistan Mera Ghar still open in 2026? No. The scheme has not accepted new applications since 2022. No government announcement has reopened it. Families looking for housing finance today should check the currently active federal and Punjab housing schemes.

What happened to pending Mera Pakistan Mera Ghar applications? Applications that received a formal sanction letter from a participating bank before the scheme closed may still be eligible for disbursement. Call your bank’s home finance department with your CNIC and application reference number to get a written status on your specific file.

Which banks were handling Mera Pakistan Mera Ghar loans? Participating banks included HBL, UBL, Bank of Punjab, Meezan Bank, and Allied Bank, among others. All loan files were managed at the branch level where you applied. Contact the home finance desk of that specific branch.

What is the best alternative to MPMG for a low-income family in 2026? Punjab residents with a plot can apply for Apni Chhat Apna Ghar, which offers an interest-free loan up to Rs. 15 lakh for home construction. Families in other provinces can check the Mera Ghar Mera Ashiana federal scheme for current eligibility and registration details.

Can I complain if my MPMG loan was wrongly rejected or closed? Yes. File a written complaint at bankingmohtasib.gov.pk. Include your CNIC, application reference number, and bank name. The Banking Mohtasib reviews disputes between customers and licensed banks and can direct the bank to respond to your case formally.

Does my old MPMG application count toward any new scheme? No. Mera Ghar Mera Ashiana and Apni Chhat Apna Ghar are separate schemes with their own eligibility rules and application processes. You will need to submit a fresh application for either scheme. Your MPMG history does not transfer.