Disclaimer
Welcome to Mera Ghar Mera Ashiana (meragharmeraashiana.pk). Before you explore our website and use the information provided, it is absolutely essential that you carefully read, understand, and agree to the terms outlined in this Disclaimer page.
This document is a legally important notice that governs your use of our website. By accessing and using meragharmeraashiana.pk, you explicitly accept and agree to be bound by the terms of this Disclaimer in full. If you disagree with any part of this disclaimer, you must not use this website.
Our primary goal is to be a helpful and reliable source of information. This disclaimer exists to ensure complete transparency about the nature of our service and to protect both you and us from any potential misunderstandings.
1. Informational Purpose Only: We Are Not SBP or a Bank
This is the most critical point of this disclaimer:
meragharmeraashiana.pk is an independent, privately-run information portal. We are NOT the State Bank of Pakistan (SBP), nor are we a part of the Government of Pakistan.
We are also NOT a participating financial institution (like HBL, UBL, MCB, etc.), a loan provider, a mortgage broker, or a financial advisor.
What does this mean for you?
All content, materials, articles, guides, and tools available on this website are provided for GENERAL INFORMATION AND EDUCATIONAL PURPOSES ONLY. The information is intended to help you understand the Mera Ghar Mera Ashiana Loan Scheme 2025 in a simplified, easy-to-understand manner. It should NOT be considered as official, financial, or legal advice.
2. No Professional Financial or Legal Advice
The information on this website is not a substitute for professional advice from qualified experts.
- Financial Advice: We do not provide personalized financial advice. The decision to apply for a loan, the amount you should borrow, and the financial implications of such a decision are complex and personal. You should consult with a qualified financial advisor or a representative from a participating bank before making any financial commitments.
- Legal Advice: The legal and regulatory aspects of property purchase and loan agreements are complex. We do not provide legal advice. It is strongly recommended that you consult with a qualified legal professional for any matters related to property documentation, contracts, and legal rights.
You are solely responsible for any financial or legal decisions you make based on the information found on this website.
3. Accuracy and No Warranty: Information is “As Is”
We strive to provide accurate, up-to-date, and reliable information. Our team works hard to research and present information based on official sources, including State Bank of Pakistan (SBP) circulars, press releases, and announcements from participating banks.
However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose.
Any reliance you place on such information is therefore strictly at your own risk.
Factors to consider:
- Information Changes: The terms of the Mera Ghar Mera Ashiana scheme, including markup rates, eligibility criteria, and participating banks, can change at any time based on SBP or government policy.
- Human Error: Despite our best efforts, errors can occur.
- Interpretation: The interpretation of complex guidelines can vary.
We strongly advise you to always cross-reference any information you find on our site with the official SBP website (www.sbp.org.pk) and the official websites of the participating banks before taking any action.
4. No Endorsement or Affiliation
Reference on this website to any specific commercial products, processes, or services by trade name, trademark, manufacturer, or otherwise does not necessarily constitute or imply its endorsement, recommendation, or favoring by us.
The mention of banks like HBL, UBL, MCB, etc., is purely for informational purposes to help users identify where the scheme is offered. We are not officially affiliated with these institutions unless explicitly stated.
5. Limitation of Liability: You Hold Us Harmless
To the fullest extent permitted by applicable law, the owners, operators, authors, and contributors of meragharmeraashiana.pk shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this website, or any errors or omissions in the content thereof.
This includes, but is not limited to:
- Any financial loss you may incur due to acting upon information from this site.
- Any delays or rejections of your loan application by a bank.
- Any misunderstandings or disputes with a participating bank or a property seller.
- Any inaccuracies in the calculation of approximate markups or installments using tools on our site.
- Any technical issues, data loss, or interruptions in service on our website.
By using this site, you agree that you will not bring any claim personally against the website’s operators, authors, or affiliates in respect of any losses you suffer in connection with the website.
6. External Links Disclaimer
Our website may contain links to external websites that are not provided or maintained by or in any way affiliated with us. These links are provided for your convenience and for further information.
Examples include:
- Links to the official SBP website.
- Links to the websites of participating banks.
- Links to government portals or relevant news articles.
We have no control over the nature, content, and availability of those sites. The inclusion of any link does not necessarily imply a recommendation or endorse the views expressed within them.
We cannot guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. We are also not responsible for the privacy practices or content of these sites.
7. Testimonials and User-Generated Content Disclaimer
Our website may feature testimonials from users or examples of experiences. These testimonials are actual experiences of individuals who have interacted with the scheme or our website. However, they are individual results and experiences, and results will vary. We do not claim that they are typical results that all users will achieve.
Testimonials are not necessarily representative of all who will use our information services.
Any user-generated content, such as comments on blog posts, reflects the views of the author only. We are not responsible for the content of user comments, though we reserve the right to moderate them.
8. No Guarantee of Loan Approval
It is crucial to understand that the information provided on this website in no way guarantees that you will be approved for a loan under the Mera Ghar Mera Ashiana scheme or any other scheme.
The final decision to approve a loan, the loan amount, the markup rate, and the terms and conditions rest solely and entirely with the participating banks and financial institutions. They will conduct their own credit checks, background verification, and property evaluation according to their internal policies and SBP regulations.
We have no influence over this decision-making process.
9. Updates and Changes to the Disclaimer
We reserve the right to make additions, deletions, or modifications to the contents of this Disclaimer at any time without prior notice. It is your responsibility to check this page periodically for changes. Your continued use of the website following the posting of changes to this Disclaimer will be deemed your acceptance of those changes.
10. Your Responsibility and Agreement
By using meragharmeraashiana.pk, you acknowledge and agree that:
- You have read and understood this disclaimer in its entirety.
- You are solely responsible for verifying any critical information with official sources.
- You are solely responsible for your decisions and actions based on the information provided on this site.
- You will not hold this website, its owners, or its contributors liable for any outcomes.
Contact Us for Clarifications
If you have any questions about this Disclaimer, please feel free to contact us through our ‘Contact Us‘ page.
Thank you for taking the time to read this important information. We believe that clarity is the foundation of trust, and we hope this disclaimer helps you use our website effectively and safely as you pursue your dream of homeownership.
Sincerely,
The Team at Mera Ghar Mera Ashiana.pk