In 2025, the Government of Khyber Pakhtunkhwa (KP) launched an updated version of the Ehsaas Apna Ghar Scheme to provide interest-free loans to deserving families for the construction or expansion of their homes. This housing initiative is part of the broader Ehsaas programme and aims to uplift low-income households by helping them build permanent shelters.This article provides a complete overview of the updated eligibility criteria, required documents, and the official registration process for the Ehsaas Apna Ghar Scheme in 2025.
🏠 What is the Ehsaas Apna Ghar Scheme?
The Ehsaas Apna Ghar Scheme is a government-supported interest-free loan initiative introduced to help low-income families in Khyber Pakhtunkhwa own or expand their homes. The scheme is especially designed for individuals who have no access to commercial bank loans or real estate financing.
With rising inflation and construction costs, many underprivileged citizens cannot afford to build a home. This scheme is designed to fill that gap by offering them soft loans up to PKR 1.5 million, payable in monthly instalments over 7 years, without any interest charges.
✅ Updated Eligibility Criteria (2025)
To ensure transparency and proper distribution of funds, the government has updated the eligibility criteria for 2025. If you want to apply for this scheme, you must meet the following requirements:
- Resident of Khyber Pakhtunkhwa
The applicant must be a permanent resident of KP with a valid CNIC (Computerised National Identity Card). - Monthly Household Income
Your combined household income must not exceed PKR 150,000 per month. - First-Time Homeowner
Applicants should not already own a proper residential property (more than 5 marla). Those who already own a home are not eligible to apply. - Age Limit
The applicant must be between 18 and 65 years old. - Preference Groups
Special preference will be given to: - Intent for Construction or Expansion
Applicants must have a clear intention to construct a new house or expand their existing home. Ownership or lease documents of the plot will be required.
📄 Required Documents
Applicants are required to submit a complete set of documents for eligibility verification. These include:
- Copy of CNIC (applicant and spouse, if applicable)
- Proof of income (salary slip, pension certificate, or statement of earnings)
- Proof of land ownership or possession (for construction cases)
- Rent agreement (if applying for home purchase)
- Disability or widowhood certificate (if applicable)
- Utility bills (if available)
- 2 passport-sized photographs
It is important to note that incomplete applications will be rejected without further notice.
📝 Registration Process (2025 Update)
The registration for the Ehsaas Apna Ghar Scheme has been made simple and accessible. Here is a step-by-step guide:
Step 1: Get the Application Form
You can obtain the registration form from:
- The official KP Housing Authority website (https://housingkp.gov.pk)
- Local government offices or designated bank branches, such as the Bank of Khyber
Step 2: Fill in the Form
Carefully fill out all fields with accurate information, including income details, land or plot documents, and family background.
Step 3: Attach Required Documents
Attach all required documents as per the eligibility section. Make sure they are attested and valid.
Step 4: Submit Your Application
Submit your completed application to the nearest Ehsaas Housing Facilitation Centre or through the online portal if available.
Step 5: Verification and Shortlisting
Applications will be verified through NADRA and government databases. Eligible applicants will be shortlisted through a transparent computerised balloting system.
Step 6: Loan Disbursement
If selected, you will receive an interest-free loan disbursed directly into your bank account in instalments. Construction or renovation must start within 60 days of receiving the first instalment.
💰 Loan Details
- Maximum Loan Amount: PKR 1.5 million
- Interest Rate: 0% (Interest-Free)
- Repayment Period: Up to 7 years
- Monthly Installment: As low as PKR 18,000, depending on the loan amount
- Loan Disbursement: In 2–3 phases based on construction progress
📅 Important Dates
While the first phase of registration ended in May 2025, new phases will reopen soon in late July or early August. Interested applicants are advised to stay updated through the KP Housing Authority’s official announcements.
📢 Final Words
The Ehsaas Apna Ghar Scheme is a significant step by the Khyber Pakhtunkhwa government toward affordable housing for the underprivileged. By offering interest-free loans, the scheme empowers thousands of low-income families to realise the dream of owning a house. If you meet the eligibility criteria and want to secure a better future for your family, don’t wait—gather your documents and apply as soon as the new registration phase opens.
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