In July 2025, the Government of Pakistan introduced a significant update to the Ehsaas Apna Ghar Scheme, aiming to simplify the registration process and bring housing within reach of the country’s most vulnerable citizens. This interest-free home financing program is part of the government’s broader vision of reducing homelessness, poverty, and financial inequality in Pakistan.
This article provides a step-by-step guide to the new registration process, eligibility criteria, documents required, and how beneficiaries can track their applications.
What is the Ehsaas Apna Ghar Scheme?
The Ehsaas Apna Ghar Scheme is a government program that helps people find housing. It was created as part of the Ehsaas social aid umbrella. It offers interest-free loans to help deserving families build or purchase their own homes. The program especially targets the homeless, widows, orphans, daily wage earners, and other low-income households.
Key Features of the Updated Scheme (July 2025)
| Feature | Description |
|---|---|
| Loan Type | Interest-free housing loan |
| Maximum Loan Amount | Up to PKR 2.5 million |
| Repayment Duration | 10 to 20 years |
| Monthly Installments | Based on income, starting from PKR 5,000 |
| Eligibility | Low-income families, widows, laborers, and homeless individuals |
| Registration Mode | Online and Offline |
| Verification Method | NADRA, BISP, and Ehsaas Program Cross-checks |
| Latest Update | July 2025—New Online Portal Launched |
Who is Eligible to Apply?
To be eligible for the Ehsaas Apna Ghar housing support, applicants must meet the following criteria:
- You must have a real CNIC and be a Pakistani national.
- Be a member of a low-income family that makes less than 60,000 PKR a month.
- You should not own any real estate or residential land.
- No additional government funds have been allocated for housing.
- Must be signed up for EHSAAS or BISP (or be ready to sign up)
- People who are widowed, disabled, or old are given extra attention.
Documents Required for Registration
Applicants must gather and upload/submit the following documents:
- Valid CNIC
- Proof of income (salary slip, labor certificate, or affidavit)
- Family Registration Certificate (FRC)
- Recent utility bill (electricity or gas)
- Rent agreement (if applicable)
- Death certificate (for widows)
- Disability certificate (if applicable)
New Registration Process—July 2025 Update
The latest registration system is designed to be user-friendly and transparent. Applicants can now register online from home or offline at government centers.
✅ Online Registration Steps
- Visit the Official Portal
Go to www.ehsaasapnaghar.gov.pk - Click on “New Registration.”
You’ll find a button on the homepage labeled “Apply Now.” - Fill in the application form.
Please provide all the requested personal, family, and income information. - Upload Supporting Documents
Please send clear scans of your driver’s license, electricity bills, and proof of income. - Submit the Form
Upon submission, you will receive a confirmation via email or SMS. - Wait for Verification
Your application will be verified by NADRA and other relevant departments. - Final Decision
You will be notified about acceptance, rejection, or further review.
✅ Offline Registration Method
Those who do not have internet access can register offline by visiting
- Ehsaas Program Registration Centers
- NADRA Facilitation Desks
- Designated District Offices
Staff at these centers will help fill out the form and submit your documents.
Read Also: Benazir Income Support Programme (BISP) June 2025 Update Payment Eligibility
How to Track Application Status
After submission, you can check your registration status:
- Visit the official website
- Click on “Track My Application.”
- Enter your CNIC number
- The system will show your current application stage:
Benefits of the Scheme
- Zero Interest: No markup or additional charges on the housing loan
- Long-Term Repayment: Repay the loan in small, affordable installments
- Safe & Verified Process: All applications are cross-checked through secure databases
- No Agent Needed: Apply directly without paying any commission
Important Instructions for Applicants
- Never pay anyone for registration; the process is free
- Make sure your information is accurate and complete
- Keep your mobile phone active for verification calls or messages
- Save your tracking number or application ID
Helpline Numbers by Province
| Province | Contact Number |
|---|---|
| Punjab | 042-111-000-425 |
| Sindh | 021-111-000-425 |
| KPK | 091-111-000-425 |
| Balochistan | 081-111-000-425 |
Short Urdu Paragraph
جولائی 2025 میں احساس اپنا گھر اسکیم کے رجسٹریشن کے طریقہ کار کو مزید آسان اور جدید بنا دیا گیا ہے۔ اب غریب اور بے گھر افراد آن لائن یا قریبی رجسٹریشن مراکز کے ذریعے بآسانی درخواست دے سکتے ہیں۔ اس اسکیم کا مقصد ان لوگوں کو گھر کا مالک بنانا ہے جن کے پاس کوئی رہائش نہیں۔
Final Thoughts
The updated Ehsaas Apna Ghar Scheme 2025 is a powerful initiative for transforming lives through secure housing. With its interest-free loans, transparent registration, and simplified procedures, thousands of deserving families now have a real chance at owning a home. If you or someone you know qualifies, don’t wait—apply today and move one step closer to your dream home.
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