Mera Ghar Mera Ashiana (MGMA) - 2026 اپنے گھر کا خواب اب ممکن

Federal Government's Scheme to provide Affordable Housing to Pakistani Citizens!
Free MGMA Loan Calculator-2026
Conceptualized & Developed by Muhammad Husnain
twebz.com
Mera Ghar – Mera Ashiana is the Federal Government’s markup subsidy and risk‑sharing scheme for affordable housing finance, implemented through State Bank of Pakistan and participating banks. It is meant for first‑time homeowners (Pakistani citizens with valid CNIC, with no housing unit in their name) and supports purchase or construction of a house/flat, or purchase of a plot and construction.
SBP Circular (SH&SFD No. 03 of 2025)
Disclaimer: This calculator provides estimates for reference only. Exact terms, eligibility, and repayments must be confirmed with the bank offering the scheme.
Rate: 5% per year (first 10 years)
Rate for 20-years loans changes at 11th year i.e. KIBOR + 3%

Inputs

PKR
10 Lac 1 Crore
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Required income for this loan: —
Total Repayment in 10: —
See details
Maximum allowed: PKR 10,000,000 (1 Crore)
Only applies from 11th year if tenor is 20 years. KIBOR per prevailing rate.
Click here to Check SBP's KIBOR Rates
Current KIBOR Rate is 10.50% per annum
Schedule (Selected Year) — Click to expand
Total Repayment in 10: —
See details
Month Principal Interest Total Installment

Summary

Installment / month
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Total Interest (full tenor)
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Total Payable (full tenor)
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Total Paid After 10 Years
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Total Payable (in words)
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Required Income for your desired loan
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See Income related Calculator below!
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How much monthly income you should have to get this much loan

DBR 45%
Use the 45% DBR limit to estimate required income or maximum eligible loan.
This is to give you an idea only, for accurate details, contact the bank of your choice.
Max Installment / month
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Required Monthly Income
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