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Government Markup Subsidy Scheme (GMSS)

Government Markup Subsidy Scheme upto PKR 2,000,000

NRSP Microfinance Bank offers individual Low-Cost Housing Loan under Government of Pakistan Mark-up Subsidy Scheme. It provides convenient and affordable financing scheme for the purchase, construction and extension/expansion of houses and apartments.

Product Features

Eligibility Criteria    

  • All Pakistani Citizens holding valid CNIC
  • The subsidized scheme is for first time home owner
  • The facility can be availed only once by and individual


Purpose of Credit

  • Housing loans can be given for structural improvement (expansion / extension), new construction, or purchase
  • Structural Improvements are incremental expansion or extension in the existing home, as long as the total area does not exceed the limits mentioned above
  • New Construction includes construction of housing structure on plot, completion of a new structure etc.
  • Purchase includes purchase of home or housing unit


  • Financing for construction and first purchase of newly
  • constructed affordable housing
  • Financing Limit up to 2Million (20 lac (
  • Tenure: 5 to 20 Years (depending upon choice of customer)
  • * Rate of Interest
    • Fixed @ 5% per annum for 1st 5 Years.
    • Fixed @ 7% per annum for next 5 Years.
    • After 10 Years interest rate will be charged as per bank policy which will be charged from the customer.

Loan Repayment

Equal Monthly Instalments



  • Asset Insurance (bear by bank)
  • Free Credit Life Insurance


Details of Housing Area

  • House Upto 125 SY ( Upto 5 Marla House)
  • Flat Appartment Upto covered area upto 1250 Sq.Ft