Ehsaas Apna Ghar Phase 3 || Get PKR 1.5 Million Interest-Free Home Loan

The Government of Pakistan has launched Ehsaas Apna Ghar Phase 3, a life-changing initiative to help low-income families achieve their dream of owning a home. Through this scheme, eligible individuals can get an interest-free loan of up to PKR 1.5 million (15 lakh rupees) and repay it through affordable monthly installments over 7 years.

This program is part of the broader Ehsaas framework focused on poverty alleviation, social welfare, and empowering vulnerable communities through long-term support.

Table of Contents

🏠 Objective of the Ehsaas Apna Ghar Scheme

The main goal of the Ehsaas Apna Ghar Scheme is to make homeownership accessible for financially disadvantaged families. With house prices rising across the country, many poor and working-class families are unable to build or buy their own homes. This scheme provides financial relief in the form of interest-free housing loans, enabling families to construct, purchase, or renovate their houses.

By promoting homeownership, the government is supporting economic stability, reducing homelessness, and ensuring better living conditions for citizens.

📌 Key Features of Phase 3

Loan Amount: Up to PKR 1,500,000 (15 lakh)
Interest Rate: 0% (completely interest-free)
Repayment Duration: 7 years (84 monthly installments)
Monthly Payment: Fixed and easy installments
Usage: For the construction, purchase, or renovation of residential property

This scheme is unique because it offers a Qarz-e-Hasna (interest-free loan) without any markup or service fee, which makes it accessible for families who cannot qualify for bank loans.

✅ Eligibility Criteria

To apply for the loan under this scheme, applicants must meet the following conditions:

Must be a Pakistani citizen with a valid CNIC.
The applicant and spouse must not own a house.
Must belong to a low-income family.
Age must be between 18 and 60 years.
Must have a stable source of income to repay the loan.

Preference will be given to:

Widows
Orphans and their guardians
Disabled persons
Daily wage workers

📄 Required Documents

Applicants must prepare the following documents before applying:

Copy of CNIC (applicant and spouse)
Proof of income (salary slip, self-declaration, or income affidavit)
Recent utility bill (electricity/gas)
Rent agreement (if living in a rented house)
Land ownership documents (for construction)
Widowhood certificate or death certificate (if applicable)
Disability certificate (if applicable)

Make sure to provide clear and authentic copies of all documents to avoid rejection.

📝 Application Process – How to Apply?

The Ehsaas Apna Ghar application can be submitted either online or at physical registration centers. Follow the steps below:

🔹 Online Registration:

Visit the official Ehsaas portal: www.ehsaas.punjab.gov.pk
Click on the “Apna Ghar Scheme Phase 3” section.
Fill in the form with accurate personal and income information.
Upload scanned documents (CNIC, income proof, etc.).
Apply and note down the tracking/reference number.

🔹 Offline Registration:

Visit your nearest Ehsaas Registration Center or District Social Welfare Office.
Collect and complete the application form.
Attach copies of all required documents.
Submit your application to the relevant counter.
Receive a receipt for verification and tracking.

🏗️ Purpose of the Loan

The loan must be used only for residential purposes, including:

Constructing a new house on owned or inherited land
Purchasing a small house within the approved budget
Renovating, repairing, or extending an existing house

⚠️ Loans cannot be used for business, commercial, or luxury construction purposes. Misuse may result in cancellation and legal consequences.

📆 Registration Timeline

Application Start Date: July 2025
Application Deadline: To be announced
Verification Period: Within 30–45 days of submission
Loan Disbursement: After approval and document verification
Repayment Starts: One month after loan disbursement

Applicants are advised to apply early, as funding is limited and distributed on a first-come, first-served basis.

📞 Contact Information

For assistance or to track your application status:

Ehsaas Helpline: 0800-26477
Official Website: www.ehsaas.punjab.gov.pk
Visit Local Registration Centers in your city or tehsil

Avoid dealing with unauthorized agents and always use official channels.

🔚 Final Words

The Ehsaas Apna Ghar Phase 3 Scheme is a powerful initiative that brings real hope to those who’ve long struggled to afford a home. With interest-free loans, a simple application process, and a generous repayment plan, this scheme makes it possible for every eligible family to turn their dream into reality. If you qualify, don’t miss this golden opportunity. Apply today, and take the first step toward owning a home for your family.

For More Information Click Here