Introduction
The dream of owning a home is a fundamental need for every family. In Pakistan, where affordable housing is a growing concern, the Ehsaas Apna Ghar Scheme launched by the Bank of Khyber (BOK) offers a powerful solution. This program provides low-cost home financing to low-income families under the umbrella of the Ehsaas Program, in collaboration with the Government of Khyber Pakhtunkhwa. If you are a resident of KPK and belong to a financially struggling household, this scheme can help you build or purchase a home with easy terms and low interest. Here’s a complete guide to understanding the benefits, eligibility, and application process of the Ehsaas Apna Ghar initiative.
What is the Ehsaas Apna Ghar Scheme?
The Ehsaas Apna Ghar is a low-income housing loan program aimed at helping poor families construct or purchase homes. The scheme is run through the Bank of Khyber and focuses on:
- Providing subsidized loans for housing.
- Ensuring easy monthly installments over flexible periods.
- Empowering low-income households with ownership rights.
- Supporting government initiatives for sustainable housing.
This scheme is part of the broader poverty alleviation goals of the Ehsaas program, one of Pakistan’s most impactful social protection efforts.
Key Features of the Scheme
- Loan Amount:
Up to PKR 2.7 million depending on the location, size, and type of house. - Repayment Period:
Flexible repayment options up to 20 years. - Markup Rate:
Extremely low interest rates, starting as low as 2% to 5%, depending on the income slab. - No Collateral for Small Loans:
Some small-scale loans may be collateral-free, especially under government guarantee. - Subsidized by Government:
The markup is subsidized by the government to ensure affordability.
Eligibility Criteria
To qualify for the Ehsaas Apna Ghar scheme, the applicant must meet the following conditions:
- Must be a resident of Khyber Pakhtunkhwa.
- Must not already own a house in their name.
- Monthly income should be less than PKR 50,000.
- Applicants should be between 25 and 55 years of age.
- Should have a valid CNIC and proof of income.
- The property must be within the legal framework and free of disputes.
Required Documents
- Copy of a valid Computerized National Identity Card (CNIC)
- Proof of income (salary slip, labor card, pension proof, etc.)
- Utility bills (for address verification)
- Property papers (in case of construction or renovation)
- Bank statements (if applicable)
How to Apply for the Ehsaas Apna Ghar Scheme
You can apply for the scheme both online and by visiting your nearest Bank of Khyber branch. Here’s how:
✅ Step-by-Step Application Process
- Visit BOK’s Official Website:
Go to www.bok.com.pk and search for the “Ehsaas Apna Ghar” section. - Download the application form or fill out the online form directly.
- Visit Your Nearest BOK Branch:
Submit your form along with the required documents to a representative. - Loan Assessment:
The bank will verify your income, documents, and eligibility. - Approval and Disbursement:
Once approved, the loan will be disbursed as per the construction or purchase phase.
Special Benefits for Women & Widows
The scheme encourages female applicants, especially widows and single mothers, by offering priority processing and reduced interest rates. This promotes women’s empowerment and housing equality in KPK.
Important Notes
- The loan amount and terms may vary based on your location (urban vs. rural).
- Government support may change over time; always check the latest updates on BOK’s official website or your nearest branch.
- Avoid applying through third-party agents to prevent scams.
Conclusion
The Ehsaas Apna Ghar Scheme is a major step toward fulfilling the housing needs of low-income families in Khyber Pakhtunkhwa. With low markup rates, flexible repayment plans, and full government support, this initiative brings homeownership within reach for thousands of deserving families. If you or someone you know is eligible, don’t miss this opportunity to apply and move one step closer to owning a secure, dignified home. For more details and application support, visit the Bank of Khyber’s official website or call their helpline today.
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