Ehsaas Apna Ghar Scheme Phase 2 || Registration Reopened & Payment Begins

Introduction

The Government of Pakistan has officially launched Phase 2 of the Ehsaas Apna Ghar Scheme in July 2025. This new phase not only opens fresh registrations for eligible individuals but also begins the first installment payments for those previously approved in Phase 1. The scheme is a part of the broader Ehsaas initiative focused on empowering the underprivileged by giving them a chance to own a home without paying interest on loans.

In this article, we’ll explain everything about the scheme: eligibility, required documents, the application process (online & offline), loan terms, and how to get your payment if already approved.

What Is the Ehsaas Apna Ghar Scheme?

The Ehsaas Apna Ghar Scheme is a government-funded, interest-free housing loan program designed to help low-income families, daily wage workers, widows, orphans, and disabled citizens build or purchase their own homes. This initiative aligns with the government’s mission to reduce poverty and provide basic housing to every deserving citizen.

Who Can Apply?

The scheme is open to citizens of Pakistan who meet the following criteria:

• Must have a valid CNIC (Computerized National Identity Card)
• Monthly family income should be less than PKR 60,000
• Should not own a house or property
• Must not be a beneficiary of any other government housing scheme
• Must provide all required documents and pass verification

Priority is given to:

• Widows and divorced women
• Orphans and differently-abled individuals
• Daily wage workers and laborers
• Residents of rented houses or informal settlements
• Documents Required

To apply for Phase 2, applicants must prepare and submit:

• Valid CNIC
• Income certificate or salary slip (or labor affidavit)
• NADRA Family Registration Certificate (FRC)
• Latest utility bill (electricity or gas)
• Rent agreement (if applicable)
• Widow certificate (for widows)
• Disability certificate (for differently-abled applicants)

How to Register for Phase 2

✅ Online Registration Method

1. Visit the Official Website
   Go to www.ehsaasapnaghar.gov.pk.
2. Click on “Phase 2 Registration.”
   You’ll find the option for new applications on the homepage.
3. Complete the Application Form
   Fill in your name, CNIC, income details, and housing status.
4. Upload Required Documents
   Submit scanned copies of your documents.
5. Submit the Form
   Once submitted, you’ll receive a confirmation SMS or email.
6. Wait for Verification
   NADRA, BISP, and Ehsaas teams will verify your details.

✅ Offline Registration Option

If you don’t have access to the internet, you can apply through:

• Ehsaas Registration Centers
• NADRA Offices
• District Social Welfare Departments

Staff will help fill out the form and collect documents for submission.

How to Receive Payments (For Phase 1 Approved Applicants)

If you were approved under Phase 1, here’s how to collect your first installment:

1. Visit the nearest Ehsaas Payment Center
2. Bring your original CNIC and confirmation SMS
3. Biometric verification will be conducted
4. Once verified, you will receive your loan installment via bank transfer or cash (as applicable)

Loan & Repayment Terms

Track Your Application or Payment Status

Applicants can track their status using the following steps:

1. Go to the Ehsaas Apna Ghar official portal
2. Click on “Track My Application.”
3. Enter your CNIC number
4. The system will show your current status:

Helpline Numbers for Support

Short Urdu Paragraph

حکومت پاکستان نے احساس اپنا گھر اسکیم کے فیز 2 کا آغاز جولائی 2025 میں کر دیا ہے۔ اس مرحلے میں پہلے سے منظور شدہ درخواست دہندگان کو ادائیگیاں شروع ہو چکی ہیں، جبکہ نئے افراد کے لیے رجسٹریشن کا عمل دوبارہ کھول دیا گیا ہے۔ یہ ایک بہترین موقع ہے اُن افراد کے لیے جو بغیر سود کے قرضے کے ذریعے اپنا گھر بنانا چاہتے ہیں۔

Conclusion

The Ehsaas Apna Ghar Scheme Phase 2 is a lifeline for families who have long dreamed of owning a home but lacked financial support. With interest-free loans, a simple registration process, and fast-tracked payment for eligible applicants, the government continues to uplift lives through real action. If you meet the eligibility criteria, apply today and take your first step toward building a secure and dignified future for your family.

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