Ehsaas Apna Ghar Scheme KPK || Interest-Free Home Loan Low-Income Families

As part of the Ehsaas Apna Ghar Scheme, the Bank of Khyber and the Government of Khyber Pakhtunkhwa (KPK) have started a groundbreaking building project. This project aims to provide interest-free loans to the underprivileged, enabling them to construct or improve their own homes. The program is designed to assist low-income families, especially those who already own a small piece of land or a basic structure but lack the financial means to build a livable house.

This initiative is aligned with the broader national goal of providing affordable housing under the “Apna Ghar” vision. It represents a critical step in reducing homelessness, improving living standards, and ensuring a dignified life for the people of KPK.

✅ Objectives of the Ehsaas Apna Ghar Scheme

The scheme primarily focuses on:

• Offering interest-free loans to eligible citizens
• Supporting the construction of 5 marla or smaller homes
• Empowering low-income individuals through dignified housing
• Providing financial support without the burden of conventional interest-based loans

Read Also: Ehsas Apna Ghar Scheme Loan Eligibility 2025

💡 Key Features of the Program

📋 Eligibility Criteria

To ensure the scheme reaches the truly deserving, the following eligibility requirements must be met:

• Applicant must be a resident of KPK
• Age must be between 18 and 55 years
• Monthly income should be less than PKR 100,000
• Must own land or a partially constructed house (up to 5 marla)
• Should not have previously availed of a government housing loan
• Priority will be given to widows, orphans, and persons with disabilities

🖥️ Online Registration Process

The government has introduced a simple and transparent online registration mechanism through which eligible individuals can apply without visiting offices. Here is the step-by-step process:

1. Visit the official website: housingkp.gov.pk
2. Click on “Apna Ghar Scheme” and select Apply Online
3. Fill out the application form with:
4. Upload required documents (scanned copies):
5. Apply and note down your tracking number
6. You may be contacted by verification staff for a physical survey

🏦 Offline (Manual) Application Option

Those who are unable to apply online can also visit the nearest Bank of Khyber branch or the District Housing Authority Office to collect and submit a physical application form. The following documents must be attached:

• CNIC Copy
• 2 passport-size photographs
• Land ownership or property proof
• Income statement
• Utility bill (as address proof)

🔔 Application Deadline

The latest deadline for online applications was 8th May 2025. However, future rounds may open soon. Applicants are advised to:

• Stay updated via the KPK Housing Authority website
• Visit nearby Bank of Khyber branches for updates
• Monitor SMS alerts if already registered in any government welfare database

Read Also: BISP Kaffalat Program Online Registration & Check Eligibility July Update

📞 Contact & Helpline

• Bank of Khyber Helpline: 091-111-265-265
• KPK Housing Authority Website: housingkp.gov.pk

🏡 Urdu Summary Table (Ehsaas Apna Ghar Scheme – خلاصہ)

📝 Final Thoughts

The Ehsaas Apna Ghar Scheme in KPK is a vital social initiative that offers deserving families a chance to live in dignity by owning or improving their homes without the burden of interest. With both online and manual application options, the government has ensured accessibility and transparency. If you meet the eligibility criteria, this could be a life-changing opportunity for you and your family.

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