by The Khyber Pakhtunkhwa (K-P) government, under Chief Minister Ali Amin Gandapur, has launched the Ehsaas Apna Ghar Scheme—a major pro-poor initiative providing interest‑free housing loans to low-income families. This marks a significant step toward making home ownership more accessible and affordable for those historically sidelined from property ownership.
📌 What’s on Offer?
- Loan amount: Up to PKR 1.5 million
- Type: Interest-free
- Repayment: Over 7 years, with manageable monthly instalments capped at around PKR 18,000
- Fund source: PKR 4 billion allocated to a revolving fund, ensuring long-term continuity
🧭 Who Qualifies?
- Income: Household earning less than PKR 150,000 per month
- Age: 18 to 65 years
- Land ownership: Must own a plot or home (up to 5 marlas)
- Selection: Transparent computerized balloting system ensures fairness
🎯 Use Cases
- Construction: Build small new houses
- Renovation: Upgrade or expand existing homes
- Enhancement: Improve quality of living for families
This covers land you already own, empowering people to improve or build secure housing.
Govt Set to Offer Easy Loans for Buying Small Houses
🎉 Early Results & Rollout
- First phase: Over 123,000 applications submitted; 18,555 selected
- Provincial reach: Loan disbursement occurs across K-P districts in proportion to population
🧠 Why It Matters
- Empowers families: Offers dignified housing options without exploiting interest rates
- Economic uplift: Improved living conditions lead to positive outcomes in health & education
- Community feedback: User-centric system—ballots and clear eligibility criteria
- Sustainability: Revolving fund model makes the scheme long-lasting
🌱 Vision for Expansion
- The initiative complements K-P’s broader welfare umbrella—Ehsaas includes programs like Ehsaas Nojawan, Hunar, and Rozgar
- Similar interest-free loan models have been introduced in other provinces: e.g., Punjab’s “Apni Chhat, Apna Ghar” scheme, which received over 370,000 applications and aims to support 100,000 families with up to PKR 1.5 million loans
💡 Things to Watch
- Disbursement speed: Ensuring quick and transparent transfers
- Loan repayment: Collections must sustain the revolving fund
- Eligibility integrity: Strict verification to avoid misuse
- Scale: Potential for rollout in other provinces
✅ Final Thoughts
The Ehsaas Apna Ghar Scheme is a meaningful stride toward social equity. By offering interest-free, manageable loans, it empowers families to build or improve homes without financial strain. Its transparent structure, combined with the revolving fund model, lays a foundation for replicable, sustainable homeownership initiatives across Pakistan.
