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Mera Ghar Mera Ashiana

Make Your Dream Home a Reality With HBL Islamic Home Finance

A government of Pakistan initiative ensuring accessible and affordable housing finance for every Pakistani

Apply Now
OVERVIEW

The Government of Pakistan, in its mission to promote affordable housing finance, has launched the 'Mera Ghar Mera Ashiana' (MGMA) scheme, and the State Bank of Pakistan has rolled out the initiative — a profit subsidy and risk-sharing program designed to make home financing more accessible

HBL offers this facility through its Shariah-compliant home financing solution. This product allows individuals to build or buy ready-to-live homes using the Diminishing Musharakah financing structure, ensuring affordability, convenience, and full alignment with Islamic banking principles.