The Government of Pakistan, under the umbrella of the Ehsaas Programme, has launched a revolutionary initiative for the residents of Khyber Pakhtunkhwa (KPK): the Ehsaas Apna Ghar Scheme. This interest-free home loan scheme aims to empower low- and middle-income families to build their own homes without the burden of heavy loans or interest rates. In this article, we’ll guide you through the eligibility criteria, documents required, benefits, and step-by-step application process, both offline and online.
🌍 What is the Ehsaas Apna Ghar Scheme KPK?
The Ehsaas Apna Ghar Scheme is a part of Pakistan’s social welfare agenda aimed at resolving the housing crisis. For residents of KPK, the government is offering interest-free loans ranging from PKR 50,000 to PKR 1.5 million to help construct, expand, or improve their homes. The scheme is especially tailored for those who own land but cannot afford construction due to financial constraints.
This scheme is implemented in collaboration with the Bank of Khyber (BoK) and the KPK Housing Department, ensuring transparency, easy access, and financial empowerment for the underprivileged.
🎯 Eligibility Criteria
To apply for the Ehsaas Apna Ghar Scheme in KPK, you must fulfil the following conditions:
- Resident of KPK: You must possess a valid KPK domicile or proof of residency.
- Age Limit: Applicants should be between 18 and 55 years old.
- Land Ownership: You must own a plot or piece of land in your name or family name (minimum 3–5 marlas).
- Monthly Income: The income should not exceed PKR 100,000 per month.
- CNIC Validity: A valid CNIC (Computerised National Identity Card) is mandatory.
- No Prior Home Loan: Applicants should not be involved in any other home financing scheme.
🗂 Required Documents
Make sure to gather the following documents before applying:
- Copy of Valid CNIC (Applicant + Guarantor)
- Land Ownership Documents (Fard, Registry, etc.)
- KPK Domicile Certificate
- Income Proof (Salary Slip or Bank Statement)
- Utility Bills (for residential proof)
- Passport-Size Photographs
- Completed Application Form (downloadable or available at BoK branches)
📝 How to Apply for Ehsaas Apna Ghar Scheme – KPK
Option 1: Offline Application via Bank of Khyber
- Visit the nearest branch of the Bank of Khyber (BoK).
- Ask for the “Ehsaas Apna Ghar Loan Scheme” application form.
- Upon document verification, your request will be processed within 2–4 weeks.
- Approved applicants will be informed via call or SMS of further procedures.
Option 2: Online Application (If Available)
- Go to the official website of the Bank of Khyber: ehsasapnaghar.bok.com.pk
- Register or log in with your CNIC and contact details.
- Select the “Apply for Home Loan” option under the Ehsaas Apna Ghar section.
- Fill in the digital form with accurate information.
- Upload scanned copies of all required documents.
- Apply and save the tracking/reference number.
- Wait for verification and approval updates via SMS/email.
Note: Online application is currently limited; always verify from your local BoK branch for updated status.
🏗️ Loan Disbursement and Monitoring
After the approval process, the loan amount is disbursed in phases based on the stage of construction. Monitoring teams from BoK or the Housing Department may visit the construction site to ensure transparency and proper use of funds.
📞 Helpline and Contact Information
If you face any issues or need more guidance, contact
- Bank of Khyber Helpline: 091-111-265-265
- KPK Housing Authority Website: housing.kp.gov.pk
- Ehsaas Program Support: 0800-26477 (Toll-Free)
🔚 Final Thoughts
The Ehsaas Apna Ghar Scheme is a golden opportunity for KPK residents who dream of having a home of their own. With zero interest, simple eligibility, and easy repayment plans, this scheme is designed to empower families to break free from the cycle of poverty and achieve residential stability. If you or someone in your family qualifies, do not delay—visit your nearest Bank of Khyber branch or apply online today. Take the first step towards owning your dream home through this incredible initiative by the Government of Pakistan.
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