Assalamu Alaikum friends, the government has officially launched the Ehsaas Apna Ghar Scheme 2025. Under this scheme, the Government of Khyber Pakhtunkhwa is providing you with an interest-free loan of Rs 1.5 million to build a house. Friends, you will have to repay this loan within seven years with a monthly installment of Rs 18,000. You will be given a maximum monthly installment of Rs 18,000. How do you apply for the loan? What are the eligibility criteria? All the details will be explained to you step by step in this article.
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What Is the Ehsaas Apna Ghar Scheme 2025?
The Ehsaas Apna Ghar Scheme is a new housing support program introduced by the KP government. It offers interest-free housing loans to people who belong to low-income groups and want to build, expand, or renovate their own homes. Whether you want to construct a house on a plot, build an extra room, or renovate your kitchen or washroom this scheme is for you.
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Loan Details – How Much Can You Get?
| Loan Amount | Maximum Duration | Monthly Installment | Interest |
| Rs. 500,000 to Rs. 1,500,000 | 7 Years (84 Months) | Up to Rs. 18,000 | 0% (Interest-Free) |
You can apply for as low as Rs. 5 lakh or as high as Rs. 15 lakh depending on your needs. The maximum installment is capped at Rs. 18,000 per month, making it manageable even for people with modest income.
Who Is Eligible for the Ehsaas Apna Ghar Scheme?
To ensure only genuine and deserving families benefit, the KP government has set clear eligibility criteria:
- Domicile: You must be a permanent resident of Khyber Pakhtunkhwa.
- CNIC: A valid computerized national identity card (CNIC) is required.
- Age Limit: Applicant must be between 18 and 55 years of age.
- Monthly Income: Your monthly income must be Rs. 100,000 or less.
- Land Ownership: You must own a plot or piece of land. If you don’t own any land, you cannot apply.
- Purpose of Loan: Construction of a new house, adding a room or kitchen, or renovation work is allowed under this scheme.
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How to Apply for Ehsaas Apna Ghar Scheme?
The application process is online and very simple. Follow these steps:
- Visit Official Website: Go to housing.kp.gov.pk.
- Click on “Ehsaas Apna Ghar Scheme” from the homepage.
- Click “Apply for Loan”.
- Fill the Application Form with accurate personal and income details.
- Attach Required Documents (CNIC, land ownership papers, proof of income).
- Submit the Form Online.You will receive a confirmation message after successful submission.
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KP Housing Authority – Apna Ghar Scheme
This number connects you directly to the DG’s office for inquiries, guidance, complaints, or application assistance.
Why This Ehsaas Apna Ghar Scheme Matters
The Ehsaas Apna Ghar Scheme comes as a relief for thousands of low-income families in KP who dream of building their own home but lack the funds. By removing the burden of interest, this loan becomes truly accessible and stress-free. It also helps boost employment in the construction sector and encourages self-reliance.
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Final Thoughts
If you live in Khyber Pakhtunkhwa and own a piece of land, don’t miss this golden opportunity. With easy installments, no interest, and government support, this housing scheme can turn your dream of owning a home into reality. Apply online today and take the first step towards building a better future for your family.