Buying or building a home in Pakistan has become more accessible in New Year 2026 due to multiple House loan schemes 2026 offered by the Government of Pakistan, State Bank of Pakistan (SBP), and leading banks. These schemes provide low markup, long repayment periods, and online application facilities for salaried individuals, businessmen, and overseas Pakistanis.
This article explains all house loan schemes 2026 in Pakistan, including Prime Minister Housing Loan, CM Punjab Housing Scheme, Meezan Bank, UBL, HBL, and SBP-backed financing, in one place.
House Loan Scheme 2026 Pakistan Online Apply, Banks Govt Released
The House Loan Scheme 2026 is now open for online applications from January 2026 across Punjab, Sindh, KPK, Balochistan, AJK, and Gilgit-Baltistan. Eligible citizens can apply through partner banks, with the last date set as 15 February 2026, to get affordable government-backed home financing.
Role of State Bank of Pakistan SBP House Loans 2026
The State Bank of Pakistan (SBP) regulates and facilitates housing finance under its Housing Finance Framework available at www.sbp.org.pk. SBP ensures:
Mera Khawab Mera Ghr Scheme 2026 Apply Online
- Affordable markup rates
- Shariah-compliant options
- Long-term repayment (up to 20–30 years)
- Consumer protection and transparency
Most government and bank housing schemes operate under SBP regulations.
Apply Online Link
Prime Minister House Loan Scheme in Pakistan 2026
The Prime Minister’s Housing Finance Scheme (PMHFS) is the most popular government-backed home loan program.
Key Features House Loan Scheme 2026
- Loan for home construction, purchase, or renovation
- Subsidized markup for low-income groups
- Loan tenure up to 20 years
- Available through HBL, UBL, NBP, Meezan Bank, and other banks
Online Apply House Loan Scheme 2026
Applicants can apply through:
- Participating bank websites
- Designated government portals
- Bank branches
🔎 Prime Minister house loan scheme in Pakistan online apply in Urdu guidance is available on bank and government help pages.
House Loan Installments 2026 in Pakistan
Check Below 1 Year to 10 Years House Loan 2026 Easy Installments Plans Details from this page.
House Loan 2026 1–5 Years (Monthly Installments)
| Tier | Financing Amount | Monthly Installment (Rs.) |
|---|---|---|
| Tier 0 | 0.5 Million | 3,300 |
| Tier 0 | 1 Million | 6,600 |
| Tier 0 | 2 Million | 13,199 |
| Tier 1 | 1 Million | 5,546 |
| Tier 1 | 2 Million | 11,092 |
| Tier 1 | 2.7 Million | 14,974 |
| Tier 2 | 1 Million | 6,600 |
| Tier 2 | 3 Million | 19,799 |
| Tier 2 | 6 Million | 39,597 |
| Tier 3 | 6 Million | 46,518 |
| Tier 3 | 8 Million | 62,024 |
| Tier 3 | 10 Million | 77,530 |
House Loan 2026 6–10 Years (Monthly Installments)
| Tier | Financing Amount | Monthly Installment (Rs.) |
|---|---|---|
| Tier 0 | 0.5 Million | 3,751 |
| Tier 0 | 1 Million | 7,501 |
| Tier 0 | 2 Million | 15,002 |
| Tier 1 | 1 Million | 6,351 |
| Tier 1 | 2 Million | 12,702 |
| Tier 1 | 2.7 Million | 17,147 |
| Tier 2 | 1 Million | 7,501 |
| Tier 2 | 3 Million | 22,503 |
| Tier 2 | 6 Million | 45,007 |
| Tier 3 | 6 Million | 52,492 |
| Tier 3 | 8 Million | 69,990 |
| Tier 3 | 10 Million | 87,487 |
CM Punjab House Loan Scheme 2026
The Chief Minister Punjab Housing & Housing Finance Initiatives aim to provide affordable homes and easy loans to Punjab residents.
Highlights
- Special focus on low & middle-income families
- Linked with schemes like Apni Chhat Apna Ghar
- Easy installments
- Punjab-based eligibility
Applications are routed through Punjab Government portals and partner banks.
Meezan Bank House Loan Scheme (Islamic)
Meezan Bank offers Shariah-compliant home financing under Diminishing Musharakah, fully regulated by SBP.
Features House Loan
- Interest-free (Islamic) structure
- Financing for purchase, construction, renovation
- Tenure up to 25 years
- Transparent rental-based model
Ideal for those searching for loan apps or schemes without interest.
House Loan Scheme UBL (United Bank Limited)
UBL Home Loan is a conventional financing option backed by SBP rules.
Benefits House Loan Scheme
- Financing for ready & under-construction homes
- Flexible repayment plans
- Competitive markup rates
- Online calculator available
Prime Minister House Loan Scheme via HBL
Habib Bank Limited (HBL) is a major partner in the PM Housing Scheme.
Key Points
- Subsidized loans for eligible groups
- Simple documentation
- Online eligibility & installment calculator
- Long repayment period
House Loan Scheme Calculator (How It Works)
Most banks provide house loan calculators to estimate:
- Monthly installment
- Total loan cost
- Tenure impact
- Markup amount
You can find calculators on:
- HBL
- UBL
- Meezan Bank
- Other SBP-regulated banks
House Loan Scheme 2026 – Eligibility Criteria (General)
Although criteria vary slightly, common requirements include:
- Pakistani citizen / Overseas Pakistani
- Age: usually 21–65 years
- Stable income source
- Valid CNIC
- Property documents
- Bank account
House Loan Schemes Without Interest in Pakistan
Strictly speaking, completely interest-free loans are rare, but Islamic banks like:
- Meezan Bank
- Bank Islami
- Dubai Islamic Bank
offer Shariah-compliant alternatives approved by SBP.
How to Apply Online For House Loan Scheme in Pakistan
Step-by-Step
- Choose scheme (Govt or Bank)
- Visit official website / bank portal
- Use loan calculator
- Submit online application
- Upload documents
- Bank verification & approval
- Loan disbursement
Best House Loan Scheme in Pakistan 2026
| Scheme | Best For |
|---|---|
| PM Housing Loan | Low & middle-income families |
| CM Punjab Scheme | Punjab residents |
| Meezan Bank | Islamic financing |
| HBL / UBL | Salaried & business class |
| SBP-backed loans | Secure & regulated |
Naya Pakistan Housing Scheme 2026
In 2026, Pakistan offers multiple house loan schemes supported by the State Bank of Pakistan (SBP), making homeownership more achievable than ever. Whether you prefer a government subsidy, Islamic financing, or a commercial bank loan, there is a suitable option available.
👉 Always apply through official bank websites or government portals and verify details from www.sbp.org.pk.
