Good news for the people of Khyber Pakhtunkhwa – Chief Minister Ali Amin Khan Gandapur has officially launched the Ehsaas Apna Ghar housing scheme, bringing Imran Khan’s vision of affordable housing one step closer to reality. This program is specially designed to help low-income families build, expand, or renovate their homes without the burden of interest-based loans. In this article, you’ll find all the latest updates, eligibility details, and benefits of this scheme to see how it can improve your life.
Table of Contents
What is Ehsaas Apna Ghar Housing Scheme?
The Ehsaas Apna Ghar scheme is a flagship initiative of the KP government aimed at providing interest-free loans to people who want to build, renovate, or extend their houses but cannot afford commercial bank financing.
Quick Facts Table
| Feature | Details |
| Scheme Name | Ehsaas Apna Ghar |
| Launched By | CM Ali Amin Gandapur |
| Loan Type | Interest-free housing loan |
| Loan Amount | Up to Rs1.5 million |
| Repayment | 7 years, easy instalments |
| Eligibility Income | Less than Rs50,000 monthly |
| Age Limit | 18-65 years |
| Selection Method | Computerised balloting |
| First Phase | 18,555 eligible out of 123,000 applicants |
| Fund Allocation | Rs4 billion |
Latest Updates by CM Gandapur
✅ Launch Ceremony:
On Monday, CM Gandapur launched the scheme in a special ceremony at the Chief Minister’s House, Peshawar.
✅ Distribution of Cheques:
Loan cheques were handed over to successful applicants during the event.
✅ Financial Stability Claim:
He stated that KP’s major economic challenges have been resolved, and the province is now financially stable to continue such welfare projects.
✅ Future Plans:
The CM announced plans to solarise houses for deserving families under upcoming projects, ensuring transparency and merit in all initiatives.
Also Read: BISP SMS Received But No Payment 2025 – Full Solution & Guide
Step-by-Step Application Process
Although this launch covered applicants who had already applied, future phases will follow this process:
- Check announcements on KP Housing Department or Bank of Khyber website.
- Fill out the application form with CNIC, income proof, and housing details.
- Submit before the deadline.
- Wait for computerised balloting results.
- If selected, visit the designated bank branch for verification and cheque collection.
Key Features of the Scheme
- Interest-free loans for housing
- Computerised balloting for applicant selection
- Target beneficiaries: Low-income families
- Loan distribution across all districts based on population ratios
- Revolving fund system for continued disbursement
Eligibility Criteria (Who Can Apply?)
- Pakistani citizens aged 18 to 65 years
- Monthly income less than Rs50,000
- Must not already own a fully constructed house (for new construction applicants)
- Applications processed through transparent balloting
How Much Loan Can You Get?
Under this scheme:
- Eligible families can get up to Rs1.5 million (15 lakh rupees).
- Funds can be used for new construction, home expansion, or renovation.
Easy Repayment Plan
- The loan is completely interest-free.
- Repayment period is up to 7 years in easy monthly instalments.
- A revolving fund ensures that as repayments come in, new loans are given out to other applicants.
Common Problems & Real Solutions
Problem: Not selected despite applying.
Solution: The first phase had limited slots; keep checking for upcoming phases and ensure your documents meet all criteria to avoid rejection.
Problem: Confusion about instalment collection.
Solution: Visit your nearest Bank of Khyber branch with your CNIC and cheque details for clarification.
Problem: Application rejected due to income proof issues.
Solution: Always attach verified income documents (salary slips, pension proof, or BISP proof if unemployed).
Also Read: BISP 8171 Education Stipend July 2025 Check Eligibility, Amount (Full Guide)
FAQs – Your Questions Answered
Can I apply if I already have a small house but want to expand it?
Yes, expansion and renovation loans are allowed under this scheme.
Do I need collateral for this loan?
No, this is interest-free and collateral-free, but you must meet eligibility criteria.
When will the next phase open?
The government will announce dates soon. Keep checking KP Housing Department or Bank of Khyber updates.
Conclusion
The Ehsaas Apna Ghar housing scheme is a life-changing opportunity for low-income families in KP. With up to Rs1.5 million in interest-free loans and easy repayments, it truly brings Imran Khan’s vision of affordable housing closer to reality. Whether you plan to build your first home or renovate your existing one, this scheme ensures dignity, stability, and a better future for your family.