The Ehsaas Apna Ghar scheme is a new housing program started by the Khyber-Pakhtunkhwa (K-P) government to help low-income people build their own homes. It provides interest-free loans to those who need financial support to construct a house. This scheme mainly targets people who already have a small piece of land but don’t have enough money to build a house. The loan is easy to repay in small monthly installments. This program is part of the government’s plan to improve housing facilities and support deserving families across the province.
| Eligibility Criteria | Details |
| Age Requirement | 18 to 55 years |
| Income Limit | Monthly income of less than Rs 100,000 |
| Property Ownership | Must own a plot/house of 5 marlas or less |
| Loan Amount | Up to Rs 1.5 million, interest-free |
| Repayment Plan | Rs 18,000 per month for 7 years |
| Focus Areas | Mainly for urban areas in Khyber Pakhtunkhwa |
| Application Requirements | CNIC, proof of income, property papers |
Eligibility Criteria for Ehsaas Apna Ghar Scheme in K-P
- Age requirement: 18 to 55 years old.
- Income limit: Monthly income of less than Rs 100,000.
- Property ownership: Not eligible for those who own large properties.
- Current property: Only for those with a small piece of land or a house of 5 marla or less.
- Purpose: Designed for people who cannot afford to build homes due to financial difficulties.
Loan Amount and Payment Plan for Apna Ghar in Khyber Pakhtunkhwa
Under this housing scheme, each eligible person can receive a loan of up to Rs 1.5 million. This loan is interest-free, meaning you only return the amount you borrow without paying extra. The payment period is seven years. The borrower has to pay Rs 18,000 per month in fixed installments. This makes it easier for people to manage their budget while repaying the loan. Since the scheme is interest-free, it becomes a more helpful option for people with low monthly incomes.
Who Can Benefit from Ehsaas Apna Ghar Loan in K-P?
The scheme is designed to help poor and middle-income families in urban areas of Khyber-Pakhtunkhwa. If you already own a small plot or house but cannot build a proper home, this scheme is for you. Many people in K-P are unable to get regular bank loans due to low income or lack of resources. The government is now helping such people by giving them easy and interest-free loans. This way, families can finally have their own homes and live a better life in a safe place.
Success of Housing Schemes in Punjab and K-P
The Ehsaas Apna Ghar program in K-P follows the success of similar programs in Punjab. In Punjab, under Apni Chhat, Apna Ghar scheme, over 1,800 houses have already been built. More than 25,500 families received housing loans worth Rs 27.43 billion. About 22,600 more houses are almost finished. The second installment of the loans has been given to over 12,000 families, and 2,000 more loans are approved. These results show that such housing projects can work well and change many lives when managed properly.
Loan Conditions for Urban Areas in Khyber Pakhtunkhwa
This housing loan program in Khyber-Pakhtunkhwa is focused on urban areas. It supports construction of houses between one to five marla in size. This is suitable for many people living in cities who have small plots but not enough funds to build. The loans are provided after checking the property size and the applicant’s income. Applicants need to follow all the terms and give correct details about their land. Only then, their application can be accepted for the loan.
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How to Apply for Ehsaas Apna Ghar Scheme in K-P
If you meet the eligibility requirements, you can apply for the loan by submitting your documents. The application will ask for proof of income, CNIC, and property papers for the 5 marla or smaller land. It is essential to give correct and full information. The government will review your case before approving the loan.
Key things to remember before applying:
- Your monthly income must be under Rs 100,000
- Your age should be between 18 to 55
- You must own a plot or house of 5 marla or less
- You should be ready to repay the loan in 7 years
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Conclusion
In this article, we are sharing all the details about the Ehsaas Apna Ghar scheme in K-P. This program is a great opportunity for low-income families who own small land but cannot afford to build homes. With easy conditions, interest-free loans, and a long repayment time, this scheme makes home building much easier for deserving families. If you qualify, this is your chance to finally have a proper roof over your head.
FAQs
Can I apply for the loan if I live in a rented house but own land?
Yes, you can apply if you own land of 5 marla or less, even if you’re currently living in a rented house.
What happens if someone cannot repay the loan on time?
If repayment becomes difficult, you should contact the loan office immediately. The terms may allow adjustments based on valid reasons.
Can two family members apply for separate loans on the same plot?
No, the loan is only available to one applicant per eligible plot or house.
Is this scheme available for rural areas in K-P?
At the moment, the scheme is focused on urban areas of Khyber-Pakhtunkhwa only.