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| Ehsaas Apna Ghar Scheme KPK |
The Ehsaas Apna Ghar Scheme is a revolutionary step by the Khyber Pakhtunkhwa government in collaboration with the Bank of Khyber. This initiative provides affordable, interest-free housing loans for low-income families so they can build, renovate, or improve their homes without financial burden.
Introduction
In a mission to uplift underprivileged communities, the Government of KPK has launched the Ehsaas Apna Ghar Scheme with the support of the Bank of Khyber. This scheme provides financial assistance in the form of interest-free loans to help low-income households achieve the dream of owning a secure home.
Key Features of the Scheme
The scheme offers several important features designed to help low-income families build or renovate their homes:
| Feature | Details |
|---|---|
| Loan Type | Interest-free (Shariah-compliant) |
| Loan Amount | Up to PKR 1.5 million |
| Repayment Period | 7 years (84 months) |
| Max Monthly Installment | PKR 18,000 |
| Usage | Construction, renovation, or home improvement |
خصوصیات (اردو میں)
- بلاسود قرض (اسلامی اصولوں کے مطابق)
- رقم: 15 لاکھ روپے تک
- ادائیگی کا دورانیہ: 7 سال (84 ماہ)
- زیادہ سے زیادہ ماہانہ قسط: 18 ہزار روپے
- استعمال: گھر کی تعمیر، مرمت، بہتری
Eligibility Criteria
To apply for the scheme, the applicant must meet the following eligibility requirements:
- Age: Between 18 and 55 years
- Residency: Must be a resident of Khyber Pakhtunkhwa
- CNIC: Must hold a valid Pakistani National Identity Card
- Land Ownership: Must own a plot (up to 5 marlas)
- Monthly Income: Should not exceed PKR 100,000
اہلیت کی شرائط (اردو میں)
- عمر: 18 سے 55 سال کے درمیان
- رہائش: خیبرپختونخوا کے رہائشی ہوں
- شناختی کارڈ: قومی شناختی کارڈ لازمی
- زمین کی ملکیت: ذاتی 5 مرلہ زمین ہونا ضروری
- آمدنی: زیادہ سے زیادہ ماہانہ آمدنی 1 لاکھ روپے
Loan Utilization
Families can use the loan for:
- Constructing a new house on owned land
- Renovating an existing house
- Interior or exterior improvements
How to Apply
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| Ad Ehsaas Program KPK |
Interested applicants can follow these steps to apply:
- Visit the official portal: ehsasapnaghar.bok.com.pk
- Submit the required documents
- Track application via provided reference number
⏰ Deadline
The last date to apply is 8 May 2025. Don't miss this opportunity to own your dream home.
Partnership and Governance
The scheme is managed by the Khyber Pakhtunkhwa Housing Department and operated under Islamic banking principles by the Bank of Khyber. The government ensures that loans are issued transparently to deserving applicants.
Terms and Conditions
For complete details, documentation, and conditions, visit the official website of Bank of Khyber or dial the helpline 091-111-265-265 (extension 202568).
Why This Initiative Matters
- Supports low-income families
- Provides interest-free housing aligned with Islamic finance
- Boosts local economy and construction sector
FAQs – Ehsaas Apna Ghar Scheme
Who is eligible for the Ehsaas Apna Ghar Scheme?
Residents of Khyber Pakhtunkhwa aged 18–55 with a maximum income of PKR 100,000 and who own land up to 5 marlas.
What is the maximum loan amount?
You can receive up to PKR 1.5 million under this scheme.
Is the loan interest-free?
Yes, it is a fully Shariah-compliant interest-free loan.
How can I apply?
Visit ehsasapnaghar.bok.com.pk and complete the application form online.
What documents are required?
CNIC, land ownership documents, income proof, and recent photos.
Conclusion
The Ehsaas Apna Ghar Scheme is not just a financial program it’s a symbol of hope for thousands of low-income families. With easy terms, fair eligibility, and Islamic banking principles, this initiative can transform lives. Apply today and take a step towards owning your dream home.
