The Government of Pakistan has officially launched Phase 3 of the Ehsaas Apna Ghar Program to help low-income and homeless citizens build their own homes. This new phase comes with enhanced benefits, especially for people who are living below the poverty line and do not own property. Under this initiative, eligible applicants can apply for interest-free home construction loans (Qarza-e-Hasna) and affordable housing schemes.
This article explains everything you need to know about the Ehsaas Apna Ghar Program Phase 3, including loan details, eligibility criteria, and how to apply online in 2025.
What is the Ehsaas Apna Ghar Program?
The Ehsaas Apna Ghar Program was created by the government to make sure that all Pakistanis, especially those who are poor, homeless, or rent their homes, can find decent places to live. The goal of the program, which is run in partnership with the Bank of Khyber, is to make it easy for people to get interest-free loans to build or buy small homes, mainly 3- or 5-Marla units.
What’s New in Phase 3 (2025)?
In Phase 3, the government has improved the process and expanded the budget to cover more families across Punjab, Sindh, Khyber Pakhtunkhwa, and Balochistan. The loan limit has increased, documentation requirements have been simplified, and more attention is given to families headed by widows, disabled persons, and daily wage laborers.
Loan Details (Qarza-e-Hasna)
Here are the key features of the interest-free loans under this phase:
- Loan Amount: PKR 500,000 to PKR 1,000,000
- Markup/Interest: 0% (Completely Interest-Free)
- Repayment Time: 3 to 5 years
- Monthly Installments: Based on your income level
- Loan Type: Home construction or extension loan
Who Can Apply?
To qualify for the Ehsaas Apna Ghar loan, you must meet the following criteria:
- Your monthly household income should be less than PKR 50,000
- You must not own a house
- You are living on rent or in a temporary shelter
- You must be over 18 years old
Priority is given to:
- Widows
- Disabled individuals
- Daily wage workers
- Families registered with BISP or Ehsaas Kafalat
Online Registration Process (Step-by-Step)
Follow these steps to apply online for the Ehsaas Apna Ghar Program Phase 3:
-
Visit the Official Portal:
Go to ehsaasapnaghar.bok.com.pk -
Fill Out the Application Form:
Enter your CNIC number, name, contact details, and monthly income.
Verification Process
Once your application is submitted, it will be verified through:
- NADRA and Ehsaas/BISP databases
- A physical visit to your residence by field officers
- Income and housing status verification
Applicants who meet all the conditions will be shortlisted for loan disbursement starting September 2025.
Important Dates
- Registration Start Date: July 1, 2025
- Last Date to Apply: August 31, 2025
- Loan Disbursement: September–October 2025
Required Documents Checklist
To avoid rejection, make sure you have the following:
- CNIC (Computerized National Identity Card)
- Income proof (salary slip or affidavit if self-employed)
- Rent agreement (if living in rented home)
- Electricity or gas bill
- Disability or widow certificate (if applicable)
Helpline and Contact Support
If you have any questions or need assistance:
- Ehsaas Helpline: 0800-000-26
- SMS Check: Send your CNIC to 8171 for status check
Final Words
The Ehsaas Apna Ghar Program Phase 3 is a powerful opportunity for poor families to build their own home without facing the burden of high-interest loans. With easier terms and transparent verification, this program can help thousands of families in Pakistan secure a better future.If you are eligible, don’t miss the deadline. Apply today and take the first step toward owning a home under this government-backed initiative.
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