Apna Ghar Scheme Eligibility – Complete Guide (2025)
The Apna Ghar Scheme eligibility is a government-backed housing initiative designed to help low and middle-income citizens in Pakistan own a home. To qualify for the scheme, certain eligibility criteria must met.
Applicants must Pakistani citizens aged 18 years or older. This scheme primarily targets first-time home buyers, meaning the applicant should not own any residential property. Individuals with a verifiable source of income—including salaried workers, freelancers, and small business owners—are eligible, provided they can show their ability to repay the home loan.
The monthly household income should typically range from PKR 50,000 to PKR 500,000, depending on the financing tier. A valid CNIC, a clean credit history, and a bank account are also required. Both men and women can apply, with added encouragement for female applicants to promote inclusivity.
Under this scheme, you can access low markup home financing through partner banks such as Habib Bank Limited and Meezan Bank. These banks offer special terms under the government’s markup subsidy program.
If you’re dreaming of your own home in Pakistan, the Apna Ghar Scheme eligibility is an excellent opportunity to make it a reality—affordably and securely.
Akhuwat loan scheme for house
Akhuwat Loan Scheme for House – Interest-Free Housing Support
The Akhuwat Loan Scheme for House is a life-changing initiative aimed at helping low-income families in Pakistan build or renovate their homes. Powered by Akhuwat Foundation’s mission of interest-free microfinance, this scheme offers Qarz-e-Hasna (benevolent loans) to those who cannot access traditional bank financing.
To qualify, applicants must be Pakistani citizens with a low or modest income, and they must demonstrate the need for housing support. The scheme provides loans ranging from PKR 50,000 to PKR 500,000, depending on the applicant’s requirements and repayment capacity. The repayment period is usually up to 3 years, and no interest is charged at any stage.
This housing loan program promotes dignity by enabling people to live in safe, secure homes without falling into debt traps. Applicants must provide a valid CNIC, local references, and some form of income verification.
You can learn more and apply online through the Akhuwat Foundation official website. For detailed eligibility and loan terms, you may also visit Pakistan Poverty Alleviation Fund, a key supporter of Akhuwat’s programs.
The Akhuwat Loan Scheme for House is a step toward a poverty-free, housing-secure Pakistan.
How much loan akhuwat foundation
How Much Loan Does Akhuwat Foundation Provide?
The Akhuwat Foundation offers a range of interest-free loans (Qarz-e-Hasna) to support low-income individuals and families across Pakistan. Loan amounts vary based on the specific program and the applicant’s needs.
The Loan Amounts:
- General Range: PKR 50,000 to PKR 500,000 for programs like the Chief Minister Self Employment Scheme. (Akhuwat)
- Higher Amounts: Up to PKR 650,000 for specific needs, such as housing or business expansion. (Wikipedia)
Loan Types Include:
- Family Enterprise Loans: For small businesses and entrepreneurship.(Akhuwat | Islamic Micro Finance)
- Agriculture Loans: To support farming activities.
- Housing Loans: For building or renovating homes.
- Liberation Loans: To help individuals free themselves from exploitative debts.(AKHUWAT)
- Education Loans: To assist with educational expenses.(AKHUWAT)
Key Features:
- Interest-Free: All loans are provided without any interest charges.(Akhuwat | Islamic Micro Finance)
- Repayment Period: Typically ranges from 13 to 60 months, depending on the loan type.(King Newswire)
- No Collateral Required: Loans granted based on trust and social collateral.(Akhuwat Islamic Microfinance)
To learn more about the loan products and application process, visit the Akhuwat Foundation’s official website. For detailed information on the loan process, you can also refer to their loan process page.
The Akhuwat Foundation’s commitment to providing interest-free loans has empowered millions in Pakistan to achieve financial independence and improve their quality of life.
How to apply akhuwat loan
How to Apply for Akhuwat Loan – Step-by-Step Guide (2025)
If you’re wondering how to apply for Akhuwat loan, the process is simple, transparent, and designed to support low-income individuals across Pakistan. The Akhuwat Foundation offers interest-free loans (Qarz-e-Hasna) to help people start businesses, build homes, pay for education, or meet urgent needs.
To apply, visit your nearest Akhuwat branch, usually located in mosques or community centers. Begin by submitting a written application along with a copy of your valid CNIC, proof of residence, and income verification. The foundation assesses your need and repayment ability through a social investigation conducted by their field team.
Once approved, you will be invited to sign the agreement and receive the loan—completely interest-free. Loan amounts vary from PKR 50,000 to PKR 500,000, depending on the program type.
For full details and application forms, visit the Akhuwat Foundation official website. You can also explore how Akhuwat collaborates with other partners via the Pakistan Poverty Alleviation Fund.
The Akhuwat loan process is built on trust, dignity, and community empowerment, making it one of the most respected microfinance programs in Pakistan.
Akhuwat 5 lakh loan
Akhuwat 5 Lakh Loan – Interest-Free Financial Support
The Akhuwat 5 Lakh Loan is a powerful opportunity for low-income individuals in Pakistan to access interest-free financing for business, housing, or educational needs. Offered through the Akhuwat Foundation, this loan falls under the Qarz-e-Hasna model, allowing people to borrow money without paying any interest.
Applicants can receive up to PKR 500,000, depending on their financial need, repayment capacity, and purpose of the loan. This larger loan amount is typically granted under Akhuwat’s Housing Loan or Family Enterprise Loan schemes. To apply, the applicant must be a Pakistani citizen, possess a valid CNIC, and provide documents proving residence and income stability.
The loan is usually repayable in monthly installments over a period of up to 3 years. No collateral is required—approval is based on community trust and social responsibility.
To get started, visit the Akhuwat Foundation official website or go to your nearest Akhuwat center. For more details on housing loan options, visit the Akhuwat Housing Program page.
The Akhuwat 5 lakh loan empowers individuals to improve their lives through dignified, interest-free financial access.