Good News: Ehsaas Apna Ghar Scheme 15 Lakh Loan For House – Know Complete Details

Ehsaas Apna Ghar Scheme

The Government of Pakistan has introduced the Ehsaas Apna Ghar Scheme, offering up to 15 lakh rupees in loans for individuals looking to construct or purchase their dream house. This initiative is part of the Ehsaas program, designed to support low-income families and promote affordable housing in the country.

Let’s dive into the details of this scheme, eligibility, the application process, and other essential information.

Read More: Latest Update for January 2025 Payments

What is the Ehsaas Apna Ghar Scheme?

The Ehsaas Apna Ghar Scheme is a government initiative providing financial assistance to people who cannot afford to build or buy a house. Through this scheme, eligible applicants can receive loans up to 15 lakh rupees at low-interest rates, making homeownership more accessible for the underserved communities.

Key Features of the Ehsaas Apna Ghar Scheme

1. Loan Amount: Up to 15 lakh PKR.
2. Interest Rate: Subsidized and affordable.
3. Repayment Tenure: Flexible, up to 15 years.
4. Eligibility: Targeted toward low- and middle-income families.
5. Purpose: To construct, renovate, or purchase a house.

Read More: Ehsaas Program 10500 New Installment

Eligibility Criteria for the Ehsaas Apna Ghar Program 

To qualify for the Ehsaas Apna Ghar Program, applicants must meet the following conditions:

1. Citizenship: Must be a Pakistani national.
2. Age Limit: Between 25 and 60 years.
3. Income: Monthly income should fall under the defined threshold (varies by region).
4. Property Ownership: Should not already own a house or land.
5. CNIC: A valid computerized national identity card.

How to Apply for the Ehsaas Apna Ghar Scheme?

Follow these simple steps to apply:

1. Visit the nearest Ehsaas Program Center or the official Ehsaas web portal.
2. Fill out the application form with accurate details.
3. Attach the required documents (see below).
4. Submit the form online or at the center.
5. Wait for verification and loan approval.

Read More: Graduation Program

Required Documents for Apna Ghar Scheme 

Applicants must provide the following documents:

• Valid CNIC.
• Income proof (salary slips or bank statements).
• Property ownership documents (if renovating).
• Utility bills (for address verification).
• Passport-sized photographs.

Loan Disbursement and Repayment for Apna Ghar Scheme

Once approved, the loan amount will be disbursed directly to the applicant’s bank account. The repayment process is made easy with:

1. Low monthly installments.
2. Flexible repayment terms (up to 15 years).
3. Assistance in case of unforeseen financial hardships.

Benefits of the Ehsaas Apna Ghar Scheme

Feature	Details
Loan Amount	Up to 15 lakh PKR
Interest Rate	Subsidized, low rate
Repayment Tenure	Up to 15 years
Eligibility	Low- and middle-income families
Application Process	Simple and online availability

FAQs

1. Who is eligible for the Ehsaas Apna Ghar Scheme?

• Anyone who is a Pakistani citizen, aged 25-60, with a low monthly income and no prior homeownership, can apply.

2. How much loan can I get under this scheme?

• You can get up to 15 lakh rupees depending on your financial needs and eligibility.

3. Where can I apply for this scheme?

• You can apply through the Ehsaas Centers or the official Ehsaas web portal.

4. What documents are required for the application?

• Required documents include a valid CNIC, income proof, utility bills, property documents (if applicable), and passport-sized photos.

5. What is the repayment tenure?

• The loan repayment period is up to 15 years with low monthly installments.

Conclusion

The Ehsaas Apna Ghar Scheme is a groundbreaking step by the government to provide affordable housing solutions to deserving citizens. With a maximum loan amount of 15 lakh rupees, low-interest rates, and flexible repayment options, this scheme aims to make the dream of owning a home a reality for many.

Read More: Punjab Educational Endowment Fund (PEEF)