Mera Ghar Mera Ashiana
Seventeen Villas · Al Sadat Group
Government Markup Subsidy Scheme · Affordable Housing Finance
First-Time Homeowners
Salaried & Self-Employed
Wazir-e-Azam Apna Ghar Program
Tentative Monthly Installment & Finance Amount Calculator
Property value is too high — minimum equity required exceeds 70%.
| PROPERTY VALUE (PKR) |
CUSTOMER EQUITY (PKR) |
TOTAL NET INCOME (PKR) |
TENTATIVE ELIGIBLE FINANCE AMOUNT (PKR) |
PROPOSED EQUITY AMOUNT (PKR) |
FINANCING REQUESTED (PKR) |
*TENTATIVE MONTHLY INSTALLMENT (PKR) |
|---|
*Terms & Conditions apply
Note:
- The tentative monthly installments are fixed for first 10 years (without insurance) based on the tenure and finance amount.
- After 10 years, markup rate of 1-Year KIBOR + 3.0% p.a. will be applied.
- The installments amount will vary based on selected insurance arrangement (property &/or life insurance).
Financing Summary
| Financing Summary |
|---|
Product Features
MAX FINANCING
PKR 10M
FIXED · FIRST 10 YRS
5% p.a.
MAX TENURE
20 Yrs
No processing fees
No prepayment charges
Eligibility & Scope
Basic Eligibility
- First-time homeowner · CNIC-holding Pakistani citizen
- Must not already own a housing unit
- House up to 10 Marla · Flat/Apartment up to 1,500 sq. ft.
- Salaried · Non-Salaried (self-employed, professionals & others)
Scope / Purpose
- Purchase of house/flat
- Construction on owned plot
- Plot purchase + construction
Bank Investment Ratio: 90:10 — 90% financing, 10% equity
Debt Burden Ratio: Up to 45%
Geographical: All cities where a BAFL branch exists
Who Can Apply
Salaried
- Min. Net Monthly Income: PKR 40,000
- Age: 23–60 yrs (or retirement)
- Employment Exp.: up to 5 years
Self-Employed / Others
- Min. Net Monthly Income: PKR 60,000
- Age: 23–70 yrs
- Business Exp.: 3 years
Co-borrower clubbing: 100% clubbed — up to 2 co-borrowers from multiple income sources
No processing & no prepayment fees
Documentation Checklist
Everything you need to apply — Formal & Informal sector
Formal Sector
Informal Sector
Salaried & Self-Employed
Common Documents — Required for all applicants
- MGMA Application Set
- Copy of CNIC
- 2 Recent Photographs
Salaried
- Proof of Employment: Original Employment Letter, Certificate
- Income Proof: Last 6 Salary Slips or Salary Certificate
- Account Maintenance Certificate with last 6-month Bank Statement (salary credits)
Self-Employed / Others
- Proof of Business: Partnership Deed, Bank Certificate, NTN, Rent Agreement, Professional Degree, Membership
- Income Assessment: Account Maintenance Letter with 12-month Bank Statement
- Original bank statement with bank stamp required
- Any one Formal-Sector document above accepted
Informal Sector
For Salaried, Self-Employed & Others alike
- Rent Agreement / Rent Payment Declaration
- Utility Bills, Telco Bill, School Fee Challan
For Salaried: Original does not require stamp/sign · online/e-slips accepted with verification
Any other valid expense document — accepted as income proxy
Max. 60 days old slip & statement · online/e-slips accepted