Easy Home - Mera Pakistan Mera Ghar offers convenient and affordable options to fulfill your needs to construct and purchase built affordable housing units in a completely Shariah-compliant way using Diminishing Musharakah mode of financing.
| Tiers | Size of Housing Unit | Maximum Price of Housing Unit | Maximum Financing | Minimum Contribution from customer | Rental Rate |
|---|---|---|---|---|---|
| Tier 1 (T1) (NAPHDA Projects) |
|
Rs. 3.5 Million | Rs. 2.7 Million | 10% of property value |
|
| Tier 2 (T2) (Non-NAPHDA Projects) |
|
No Cap | Rs. 6 Million | 15% of property value |
|
| Tier 3 (T3) (Non-NAPHDA Projects) |
|
No Cap | Rs. 10 Million | 15% of property value |
|
| Financing Tenure | Minimum 05 years & maximum 20 years financing tenure, depending upon choice of customers | ||||
All Pakistani National ( Resident or Non Resident) holding CNIC / NICOP
First time home owner
An individual can have subsidized housing finance facility under this scheme only once
Construction and Purchase of Housing units
Newly constructed housing units during last one year from the date of application. However, this requirement will not be applicable till March 31, 2023 under Tier 2 and Tier 3
Note: In line with State Bank of Pakistan's regulatory requirement, negative history (i.e. overdue/ late payment/ write-off/ waiver) of consumer/individual customers will be reflected in e-CIB reports for two years after settlement.
| Type of Charges | Salaried | Businessmen |
|---|---|---|
| Processing Charges | PKR 4,000 | PKR 4,000 |
| FED on Processing [email protected] 16%** | PKR 640 | PKR 640 |
| Legal Report Charges | At Actual | At Actual |
| Property Valuation Charges | At Actual | At Actual |
| Income Estimation Charges | N/A | At Actual |
| Parameters | Details |
| Allowable Financing Cities |
|
| Age of Applicant / Co-applicant |
|
| Monthly Income |
|
| Employment / Business Tenor |
|
| Co-applicant Income Clubbing |
*(Co-applicant must be immediate family member i.e. spouse, parents, adult children, brothers & sisters only) |
| Debt Burden Ratio (Payment Burden Ratio for Islamic) |
|
(Relationship Officer)
Cell No: 0304-1927467
Address: 3rd Floor, Al-karam Centre,
Plot No. BC 1, Block – 7, Clifton, Karachi.
(Relationship Officer)
Cell No: 0304-1927472
Address: 3rd Floor, Al-karam Centre,
Plot No. BC 1, Block – 7, Clifton, Karachi.
(Relationship Officer)
Cell No: 0304-1927475
Address: 3rd Floor, Al-karam Centre,
Plot No. BC 1, Block – 7, Clifton, Karachi.
PABX No. 021-38103500, 021-37133500
(HUB Manager Lahore - HF)
Cell No: 0304-0920521
Address: 60 - Main Boulevard, Gulberg - II, Lahore.
Dir. No. 042-35757435-6, PABX. No. 042-35879870-2
(Relationship Officer)
Cell No: 0335-00510078
Address: Jinnah Avenue , Blue Area Islamabad.
(Relationship Officer)
Cell No: 0300-7858738
Address: Jinnah Avenue , Blue Area Islamabad.
(Relationship Officer)
Cell No: 0332-5651774
Address: Jinnah Avenue , Blue Area Islamabad.
(Hub Manager)
Cell No: 0304-0920526
Address: Jinnah Avenue , Blue Area Islamabad.
(Hub Manager)
Cell No: 0300-7203505
Address: Meezan Bank Limited P-907-B, Saleemi Chowk
Peoples Colony # 01, Faisalabad
Dir. No. 041-8711963
(Hub Manager)
Cell No: 0300-6380586
E-mail: [email protected]
Address: Nawan Shahar LMQ Road, Multan.
Dir. No. 061-4781554, PABX No. 061-4785604-07
(Hub Manager)
Cell No: 0300-6356323
Address: Dubai Chowk Branch, Bahawalpur
(Branch Coordinator – House Finance)
Cell No: 0335-2526404
Address: 1st Floor, Khattak Plaza, University Road Branch, Peshawar
Easy Home
Easy Home - Mera Pakistan Mera Ghar
Watch Mr. Irfan Siddiqui - Founding President & CEO, Meezan Bank talk about the Mera Pakistan, Mera Ghar Low Cost Housing Finance Scheme and explain why people should avail this Shariah-compliant scheme.
