Apna Ghar Free Loan Housing Scheme
The Chief Minister of Khyber Pakhtunkhwa has officially launched the ‘Ehsaas Apna Ghar’ initiative, a groundbreaking program aimed at providing interest-free loans for house construction. This scheme is part of the provincial government’s broader efforts to support low and middle-income families in achieving home ownership. By removing interest from the loan process, the initiative seeks to make housing more affordable and accessible. Apna Ghar Free Loan Housing Scheme. The program will implement the Ehsaas framework, focusing on social welfare and economic empowerment. Designated financial institutions will distribute the loans transparently. This marks a significant step toward addressing the housing shortage in KP. Apna Ghar Free Loan Housing Scheme.
Scheme Details
- Maximum loan amount: Up to Rs. 1.5 million per person for building or improving a house.
- Total budget: The government has set aside Rs. 4 billion for this scheme.
- The money will be reused over seven years through a revolving fund
- Repayment period: Loans must be paid back in 7 years, with a monthly installment of no more than Rs. 18,000.
Eligibility Criteria
- Age: Must be between 18 and 65 years old
- Monthly Income: Should be less than Rs. 150,000
- Land Ownership: You must own a piece of land where you want to build or improve your house
Application Process
- Fair Selection: A computerized ballot will choose all applicants to ensure transparency.
- District-wise Allocation: In the first phase, officials will select people based on each district’s population to ensure every area gets a fair share.
- Cheque Distribution: Officials gave the first cheques to selected recipients during the launch event ceremony.
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Chief Minister’s Statement on Ehsaas Apna Ghar Scheme
Chief Minister Ali Amin Gandapur said the Ehsaas Apna Ghar scheme reflects the vision of PTI founder Imran Khan and is a major step toward helping low-income families in the province own their dream homes.
He also announced that the government will soon begin solarizing homes in tribal and rural areas, and will make large-scale investments in health, education, clean drinking water, and infrastructure to uplift underdeveloped regions.
How do You Get Benefit From it?
- Make sure you are between 18 and 65 years old, earn less than Rs. 150,000 per month, and own a piece of land.
- Stay updated by watching for new announcements from the Provincial Housing Department.
- Submit your application when the scheme opens and wait for selection through a computerized system.
Summary
This scheme offers genuine support to low-income families in turning their dream of owning a home into reality. With interest-free loans of up to Rs. 1.5 million, affordable monthly installments, and a fair, transparent selection process, it reflects the people-focused vision of the Pakistan Tehreek-e-Insaf (PTI) government.
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