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Ehsaas Apna Ghar Scheme 15 Lakh Loan For House - Know Complete Details

Ehsaas Apna Ghar Scheme

The Khyber Pakhtunkhwa government has launched the “Ehsaas Apna Ghar Scheme” for low-income earners, under which interest-free loans will be provided so that people can build their own houses or extend and renovate existing ones. Under the scheme, loans of up to Rs 1.5 million will be given, to be repaid in easy installments over a period of seven years, with a maximum monthly installment of Rs 18,000. 4 billion has been earmarked for this scheme, and it will continue for the next seven years under a revolving fund system.

The registration process is currently only possible through the office of the Deputy Director, where individuals will be provided with a registration form. Online registration will be started soon. Chief Minister Ali Amin Gandapur said in the inauguration ceremony that this project will not only provide quality residential facilities to the people but will also help improve their social and economic conditions. Transparency has been ensured under this scheme so that only the entitled people are benefited.

Ehsaas Apna Ghar Scheme 15 Lakh Loan For House - Know Complete Details

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Loan Details

1. Financial Assistance

Under this program, individuals can receive loans of up to Rs. 1.5 million. The total budget allocated for the scheme is 4 billion rupees, ensuring financial support reaches deserving families.

2. Easy Repayment Plan

The loans come with a flexible seven-year repayment schedule, allowing beneficiaries to repay in affordable monthly installments capped at Rs. 18,000. This structure ensures ease for borrowers, promoting financial stability while maintaining repayment feasibility.

3. Revolving Fund System

The scheme will operate under a revolving fund model, ensuring its sustainability and continuous availability for the next seven years.

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Eligibility Criteria For Ehsaas Apna Ghar Scheme

To benefit from the Ehsaas Apna Ghar Scheme, applicants must meet the following criteria:

  • Land Ownership: Applicants must own a plot of land to construct or renovate their homes.
  • Registration Process:
    • Currently, registration is available only through Deputy Director Offices, where applicants can obtain and submit the necessary forms.
    • An online registration portal will be launched soon, making the process more accessible for everyone.

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Registration Process for Ehsaas Apna Ghar Scheme

To apply for the Ehsaas Apna Ghar Scheme, eligible individuals must follow the steps outlined below:

Current Registration Procedure

  • Currently, registration is handled manually and requires applicants to visit the designated Deputy Director’s Office in their area.
  • At the office, you will be provided with the official registration form. Ensure that you collect and fill out the form accurately with all required information.
  • After completing the form, submit it back to the Deputy Director Office along with any required documents, such as proof of land ownership and identification.

Online Registration (Coming Soon)

The government is working on launching an online registration portal to simplify the application process and make it more accessible to everyone.

  • Once live, applicants will be able to register directly from their homes by filling out the online form and uploading the necessary documents.
  • Updates regarding the online portal will be shared by the provincial government shortly.

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Required Documents

While the complete list of documents will be provided at the time of registration, applicants are likely to need the following:

  • National Identity Card (CNIC)
  • Proof of Land Ownership
  • Income Certificate

By ensuring all documentation is in order and following the prescribed steps, eligible individuals can smoothly register for the Ehsaas Apna Ghar Scheme and take the first step towards building or renovating their dream home.

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Implementation Partners and Transparency

The initiative is a collaborative effort between the Housing Department and the Bank of Khyber, cemented through a Memorandum of Understanding (MoU) signed at the Chief Minister’s House.

  • Chief Minister Ali Amin Gandapur, who spearheaded the program, emphasized that the scheme’s primary goal is to provide quality housing facilities to deserving individuals.
  • Transparency in loan disbursement is a top priority, ensuring only eligible and deserving individuals benefit from this welfare program.

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Broader Government Initiatives

The Ehsaas Apna Ghar Scheme is part of the broader Ehsaas Program, which aims to improve the socio-economic conditions of citizens. Other notable welfare initiatives include:

  • Ehsaas Youth Program – Empowering young individuals with skills and resources.
  • Ehsaas Skills Development Program – Providing vocational training to improve employability.
  • Ehsaas Employment Program – Assisting individuals in finding sustainable job opportunities.

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Conclusion

The launch of the Ehsaas Apna Ghar Scheme is a monumental step towards ensuring housing for all in Khyber Pakhtunkhwa. With its easy loan terms, transparency, and sustainability, the program promises to uplift countless families, allowing them to live with dignity and financial ease.

Eligible individuals are encouraged to begin the registration process today and seize this opportunity for a brighter tomorrow. Stay tuned for updates on the upcoming online registration portal to simplify the application process further!

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By M Usman

Muhammad Usman is a dedicated advocate for social welfare and community development, actively involved in Pakistan's Ehsaas program and the Benazir Income Support Program (BISP). As a member of these vital initiatives, he utilizes his platform, Todayalerts.pk, to disseminate essential information and resources, empowering individuals with knowledge and assistance. With a passion for creating positive change, Muhammad Usman strives to amplify the voices of the marginalized and build a more equitable society. Join him on his journey towards a brighter future for all.