Ehsaas Apna Ghar Loan Amount and Repayment Plan 2025

The Khyber Pakhtunkhwa (K-P) government has launched a new scheme to help low-income families build or renovate their homes. The Ehsaas Apna Ghar Scheme offers interest-free loans to eligible individuals, making housing more accessible to those who need it the most. This initiative aims to improve living conditions and support economic growth in the province.

Ehsaas Apna Ghar Scheme Update

The Ehsaas Apna Ghar Scheme is an important step by the K-P government to provide financial assistance to families with limited income. Under this scheme, people can avail interest-free loans of up to Rs. 1.5 million for constructing a new house or renovating an existing one. The scheme has been introduced to make housing affordable and help improve the social and economic conditions of the people in K-P. Chief Minister Ali Amin Gandapur emphasized that providing quality housing is a top priority for the provincial government.

Also Read: CM Punjab Kisan Card 2025 (Registration Procedure)

Eligibility Criteria for the Ehsaas Apna Ghar Scheme

To be eligible for the Ehsaas Apna Ghar loan, applicants must complete certain conditions. These include being a low-income individual or family and owning land on which they wish to build or renovate their house. The scheme is aimed at people who do not have enough resources to finance their housing needs. Here are the key eligibility criteria:

Eligibility Criteria	Details
Low-Income Families	Applicants must have a low monthly income.
Land Ownership	Applicants must own land for construction or renovation.
No Outstanding Loans	Applicants should not have existing loans under similar schemes.
Permanent Residents	The applicant must be a permanent resident of Khyber Pakhtunkhwa.

Loan Amount and Repayment Plan

The Ehsaas Apna Ghar Scheme offers loans of up to Rs. 1.5 million, which can be used for constructing a new house or renovating an existing one. The loan will be provided interest-free, making it easier for low-income families to repay. The loan will be repaid in monthly installments, with a maximum monthly payment of Rs. 18,000. The total loan repayment period will be seven years. This flexible repayment plan ensures that even families with limited income can afford to repay the loan comfortably.

How to Apply for the Ehsaas Apna Ghar Scheme in 2024-25

1. Visit the Bank of Khyber: The Bank of Khyber is the partner bank for the scheme. You need to approach the bank or visit its branch to begin the application process.
2. Fill Out the Application Form: Complete the application form provided by the bank, ensuring that all information is accurate and complete.
3. Provide Required Documents:

Submit necessary documents such as:

• Proof of land ownership.
• Proof of income or low-income status.
• Identity documents (e.g., CNIC).

4. Verification of Information: After submitting the form and documents, the bank will verify the details provided.
5. Loan Approval: If you meet the eligibility criteria, your loan will be approved, and the funds will be disbursed according to the terms of the scheme.

Benefits of the Ehsaas Apna Ghar Scheme

The Ehsaas Apna Ghar Scheme offers numerous benefits for low-income families in K-P. The key benefits include:

• Interest-Free Loans: Beneficiaries will receive loans with no interest, reducing the financial burden on families.
• Affordable Repayment Plan: The scheme offers an easy and affordable repayment schedule spread over seven years.
• Improved Housing Conditions: Families will be able to build new homes or renovate old ones, leading to better living conditions.
• Social and Economic Upliftment: The scheme helps improve the social and economic status of families by providing them with a secure home.

Conclusion

The Ehsaas Apna Ghar Scheme is an important initiative by the Khyber Pakhtunkhwa government to address the housing needs of low-income families. By offering interest-free loans with an easy repayment schedule, the scheme ensures that affordable housing becomes a reality for many people in the province. This initiative is a significant step towards improving the living standards of disadvantaged communities and promoting socio-economic development in K-P.

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