Ehsaas Apna Ghar Scheme
The Khyber Pakhtunkhwa government has taken a major step and officially launched the Ehsaas Apna Ghar Scheme, under which interest-free loans of up to Rs 1.5 million are being given to low-income people so that they can build their own homes. The most special thing is that these loans are being given without any political recommendation and on 100% merit through computerized lottery, which is restoring both transparency and public confidence.
Chief Minister Ali Amin Gandapur, while calling this scheme a flagship project for the poor, said that it is a practical demonstration of Imran Khan’s vision. More than 123,000 applications were received in the first phase itself, out of which 18,555 people have been declared eligible. If you also want to know the complete details of this revolutionary project and the next steps, then definitely read this article in full.
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Interest-Free Loans for Low-Income Families Begin
With the launch of the scheme, the KP government has now started providing interest-free loans to people from low-income groups. These loans are aimed at enabling poor families to build or complete their homes. In this phase, selected applicants have already started receiving their loan cheques, giving them a fresh opportunity to live in decent housing.
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Rs 4 Billion Allocated for Interest-Free Home Loans
A total of Rs 4 billion has been allocated for this housing scheme. This massive funding reflects the government’s commitment to empower deserving families financially so they can finally achieve the dream of owning a home. The loans are completely interest-free, meaning beneficiaries will only return the exact amount in easy monthly installments.
Transparent Distribution Through Computerized Balloting
One of the most appreciated aspects of the Ehsaas Apna Ghar Scheme is its transparent distribution system. To ensure fairness and avoid favoritism, the loan distribution is being conducted through a computerized balloting process. This method ensures that every applicant gets an equal opportunity based on merit.
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Who is Eligible? Age, Income, and Loan Limit
The government has set clear eligibility criteria for applicants:
- Age between 18 and 65 years
- Monthly income below Rs 150,000
- Can apply for an interest-free loan of up to Rs 1.5 million
These criteria ensure that only the truly deserving and financially struggling families benefit from the program.
Easy Repayment Over 7 Years
Another user-friendly feature of the scheme is the flexible repayment plan. Beneficiaries can repay the loan over a period of seven years in small, easy monthly installments. This long-term plan ensures that people are not financially overburdened and can manage the repayment comfortably alongside other household expenses.
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Over 123,000 Applications Received – 18,555 Approved
The response from the public has been overwhelming. In the first phase alone, 123,000 applications were received from across the province. After thorough screening based on the set criteria, 18,555 applicants were declared eligible and selected for the loan. This shows how high the demand is for affordable housing solutions in KP.
District-Wise Loan Distribution Based on Population
To ensure fair and inclusive access, loans are being distributed across all districts of Khyber Pakhtunkhwa based on their population size. This helps ensure that every region, whether urban or rural, gets a proportionate share of the benefit, and no one is left behind.
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CM Ali Amin Gandapur Calls It a Flagship Welfare Project
During his speech at the launch ceremony, CM Ali Amin Gandapur described the Ehsaas Apna Ghar Scheme as a flagship welfare project of the provincial government. He said that the initiative is directly aligned with the vision of Imran Khan, which aims to provide every Pakistani, especially the underprivileged, with a decent place to live.
Appreciation for Housing Department and Bank of Khyber
The Chief Minister also appreciated the efforts of the Housing Department and the Bank of Khyber, whose teamwork made the smooth execution of the scheme possible. These institutions have played a vital role in processing applications, managing the funds, and ensuring that everything is done transparently and efficiently.
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No Political Interference – 100% Merit-Based Selection
CM Gandapur proudly stated that not a single loan was issued based on political recommendations. He appreciated the public for not seeking any political influence or shortcuts. This is part of the government’s mission to eliminate the culture of favoritism and restore public trust in government institutions.
Future Expansion Through Revolving Fund System
To keep the scheme running for years to come, a revolving fund system has been introduced. As current beneficiaries return their loans in installments, the same amount will be re-used to fund future applicants. This ensures long-term sustainability without needing continuous external funding.
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Frequently Asked Questions (FAQs)
What is the Ehsaas Apna Ghar Scheme?
It is a housing scheme launched in Khyber Pakhtunkhwa to provide interest-free loans to low-income families for building their own homes.
Who launched the Ehsaas Apna Ghar Scheme?
The scheme was launched by the Khyber Pakhtunkhwa government under Chief Minister Ali Amin Gandapur.
How much loan is being offered under the scheme?
Eligible applicants can receive up to Rs 1.5 million in interest-free loans.
What is the age limit to apply for the scheme?
Applicants must be between 18 and 65 years old.
What is the maximum monthly income allowed for applicants?
Applicants must have a monthly income of less than Rs 150,000.
How will the loan be repaid?
The loan can be repaid in easy monthly installments over 7 years.
How are beneficiaries selected?
Beneficiaries are selected through a computerized balloting system to ensure transparency.
How many applications were received in the first phase?
A total of 123,000 applications were received in the first phase.
How many applicants were approved?
18,555 applicants were found eligible and approved.
Will there be future phases of this scheme?
Yes, the scheme uses a revolving fund system, so loans will continue in future phases as repayments are made.
Final Thoughts
The Ehsaas Apna Ghar Scheme is not just a housing project it’s a hope for thousands of families in Khyber Pakhtunkhwa who have been dreaming of owning a home. With transparent systems, easy terms, and interest-free support, the scheme stands as a strong example of how government welfare programs can make a real difference in people’s lives.
As the program expands and more families benefit, it will play a key role in reducing housing poverty and restoring public confidence in a transparent, merit-based welfare model.
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