The Ehsaas Apna Ghar Scheme is a significant initiative by the Khyber Pakhtunkhwa (KP) government aimed at providing affordable housing solutions to low-income families. Launched officially on December 1, 2024, this program offers interest-free loans to eligible individuals for constructing or renovating their homes.
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🏠 What Is the Ehsaas Apna Ghar Scheme?
Under this scheme, the KP government, in collaboration with the Bank of Khyber, provides interest-free loans of up to Rs. 1.5 million to low-income individuals. The loans can be used for constructing new homes or renovating existing ones. The repayment period is set over seven years with a maximum monthly installment of Rs. 18,000.
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✅ Who Can Apply for the Ehsaas Apna Ghar Scheme?
To be eligible for the Ehsaas Apna Ghar Scheme, applicants must meet the following criteria:
- Permanent Residency: Must be a permanent resident of Khyber Pakhtunkhwa.
- Land Ownership: Should own land where the house is to be constructed or renovated.
- Income Level: Belong to a low-income household as defined by the program guidelines.
- Documentation: Possess valid CNIC, proof of income, and land ownership documents.
📋 Required Documents for the Ehsaas Apna Ghar Scheme
Applicants need to provide the following documents:
- Computerized National Identity Card (CNIC)
- Proof of land ownership
- Income certificate or bank statement
- Utility bills as proof of residence
- Family Registration Certificate (FRC)
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🗓️ Ehsaas Apna Ghar Scheme Details with Dates
| Feature | Details |
| Loan Amount | Up to Rs. 1.5 million |
| Repayment Period | 7 years |
| Monthly Installment | Maximum Rs. 18,000 |
| Total Budget | Rs. 4 billion |
| Application Method | Online via Ehsaas portal or at registration centers |
📝 How to Apply Ehsaas Apna Ghar Scheme?
- Online Application: Visit the official Ehsaas Program website and fill out the application form with the required details.
- In-Person Application: Go to the nearest Ehsaas Registration Center or NADRA office with the necessary documents to apply.
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🔚 Conclusion
The Ehsaas Apna Ghar Scheme is a commendable effort by the KP government to assist low-income families in achieving their dream of owning a home. By providing interest-free loans and a straightforward application process, the program aims to improve living standards and contribute to the socio-economic development of the province.
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FAQs
Who is eligible for the Ehsaas Apna Ghar Scheme in KP?
Residents of Khyber Pakhtunkhwa who belong to low-income families and own land for construction or renovation of a home are eligible.
What is the maximum loan amount I can apply for?
You can apply for a loan of up to Rs. 1.5 million, which is interest-free.
How long is the repayment period?
The repayment period is up to 7 years, with flexible monthly installments.
Can I apply online?
Yes, you can apply through the official Ehsaas Program website or visit your nearest Ehsaas Registration Center.
Do I need collateral to get the loan?
No, this is a collateral-free interest-free loan scheme backed by the government.
Is this scheme available only in urban areas?
No, it’s available for both rural and urban residents of KP, as long as they meet the eligibility criteria.