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2026-03-17 | SH&SFD Circular Letter No. 01 of 2026

Added · Updated

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

The Government of Pakistan has revised the features of the Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance, limiting housing units to 10 Marla or 2720 sq. ft for houses and 1500 sq. ft for flats, with a maximum loan size of PKR 10 Million. The customer fixed pricing rate is adjusted to a flat 5%, requiring Participating Financial Institutions to adjust the rate on previously disbursed loans from 8% to 5% to ensure uniformity. PFIs are instructed to disseminate these revised features through their branch networks and other channels.

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SH&SFD Circular Letter No. 01

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

March 17, 2026

8032

The Presidents/ Chief Executives

All Banks/HBFCL/MFBs

Dear Sir/Madam,

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

Please refer to SH&SFD Circular No. 03 of 2025 regarding the subject scheme.

Please be informed that the Government of Pakistan has made following changes in features of the subject scheme:

Parameter

Revised Feature

Size of Housing Unit

House of up to 10 Marla/2720 sq. ft Flat of up to 1500 sq. ft.

Maximum Loan size

Up to PKR 10 Million

Customer/end user fixed pricing

Flat 5%*

  • To ensure uniformity, end user rate on loans already disbursed under the subject scheme at 8% will be adjusted to 5%.

Other features of the Scheme shall remain the same.

The Participating Financial Institutions (PFIs) are advised to take necessary measures for proper dissemination of revised features of the scheme through their branch network and other means.

Yours sincerely,

Najm-us-Saqib Shabbir Additional Director

Home — Circulars — SH&SFD Circular Letter No. 01

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

March 17, 2026

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This document amends: Mera Ghar - Mera Ashiana Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

Source: State Bank of Pakistan — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works

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