In 2025, the Government of Pakistan, in partnership with the Bank of Khyber (BoK), introduced an impactful housing initiative called the Ehsaas Apna Ghar Scheme. This programme is specially designed to offer affordable and accessible housing loans to low-income individuals and families across Pakistan. Through the official portal ehsasapnaghar.bok.com, applicants can now easily apply online for a housing loan to buy, build, or renovate a home—all from the comfort of their mobile phone or computer.
This article will provide a complete, step-by-step guide to checking eligibility, preparing documents, and applying online through the Ehsaas Apna Ghar portal by Bank of Khyber.
🏡 What is the Ehsaas Apna Ghar Scheme?
The Ehsaas Apna Ghar Scheme is part of Pakistan’s broader social welfare programmes aimed at providing decent housing for every citizen. Launched under the Ehsaas umbrella, this housing loan programme supports people with low or moderate income who wish to:
- Buy a small house or apartment
- Build a house on their land
- Renovate or expand an existing home
The programme is implemented through the Bank of Khyber (BoK), a government-owned bank that offers low markup rates, long repayment terms, and easy eligibility criteria.
💰 Key Features of the Scheme
Here are the major highlights of the Ehsaas Apna Ghar Housing Loan:
- ✅ Loan Type: Home purchase, construction, or renovation
- ✅ Loan Amount: Up to PKR 2.7 million (based on tier and category)
- ✅ Markup Rate: As low as 2%–5% (depending on income tier)
- ✅ Repayment Tenure: Up to 20 years
- ✅ Processing Fee: Minimal or waived in some cases
- ✅ Shariah-Compliant Options Available
- ✅ Subsidy Provided by the Government of Pakistan
✅ Who is Eligible for Ehsaas Apna Ghar?
Those who sign up must meet the following requirements to be qualified for the programme:
- A Pakistani native with a valid CNIC
- a first-time renter (must not already own a home)
- Monthly income within the targeted tier
- Age between 20 and 60 years
- Salaried person, self-employed, or small business owner
- Must not be a defaulter of any bank or financial institution
Both men and women are encouraged to apply. Joint applications (e.g., husband and wife) are also allowed.
📄 Documents Required
Here’s a list of documents you’ll need to apply through ehsasapnaghar.bok.com:
- CNIC (front and back scanned)
- 2 passport-sized photos
- Proof of income (salary slip, business income, etc.)
- Bank statements for the last 6 months
- Proof of land ownership or sale agreement (if purchasing)
- Utility bill for address verification
- Tax registration number (if applicable)
- Make sure your documents are clear and updated before uploading them online.
🌐 How to Apply Online at ehsasapnaghar.bok.com
Follow this simple step-by-step guide to apply online:
🔹 Step 1: Visit the Official Website
Open your browser and go to:
👉 https://ehsasapnaghar.bok.com
🔹 Step 2: Click on “Apply Now”.
You’ll be redirected to the online loan application form.
🔹 Step 3: Fill Out the Online Form
Enter the following information carefully:
- Name, CNIC, Mobile number
- Monthly income and employment status
- Type of loan (buy, build, renovate)
- Province, district, and city
🔹 Step 4: Upload Documents
Attach all required scanned documents in JPG or PDF format. Each file must be under the allowed size limit (usually under 5 MB).
🔹 Step 5: Submit the Application
After checking all the details, click “Submit”. A confirmation message will appear along with your application ID.
📞 Helpline and Contact Details
If you need assistance during the process, you can reach out to the Bank of Khyber helpline:
- ☎️ BoK Helpline: 091-111-265-265
- 🌐 Website: https://ehsasapnaghar.bok.com
- 🏢 Or visit the nearest BoK branch in your city
They offer in-branch support for filling out applications if you are unable to complete them online.
⚠️ Important Notes for Applicants
- ✔️ The application process is 100% free
- ❌ Do not pay any agents or third parties
- ✔️ Apply only via the official BoK portal
- ✔️ Use correct and verified documents
- ✔️ Save your Application ID for tracking status
🌟 Why Choose Ehsaas Apna Ghar?
This programme is more than just a loan—it’s a gateway to safe, secure, and permanent housing for families who have struggled for years to own a home. With subsidised interest rates, long-term repayment plans, and full transparency, it empowers people to break free from the burden of renting and build a better future.
✅ Final Thoughts
If you are a Pakistani citizen dreaming of owning a home but worried about financial limitations, the Ehsaas Apna Ghar Scheme via Bank of Khyber is your chance to make it happen. With an easy application process, low markup, and flexible repayment terms, this government-supported programme makes homeownership a reality for thousands of families.
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