The Government of Punjab, in collaboration with the Akhuwat Foundation, has launched the Akhuwat Foundation House Loan Scheme 2025 to support low-income families in building, renovating, or improving their homes. Under this interest-free loan scheme, eligible individuals can receive up to Rs. 5 Lakh, with a repayment period of 5 years in easy monthly installments.
If you’re looking for financial assistance to construct, renovate, or expand your house, this guide provides complete details on eligibility, loan amount, application process, and benefits.
📌 Quick Information Table
| Detail | Information |
|---|---|
| Program Name | Akhuwat Foundation House Loan Scheme 2025 |
| Start Date | Ongoing |
| Application Deadline | Not specified (Visit the nearest Akhuwat branch for details) |
| Loan Amount | Up to Rs. 5 Lakh (Interest-Free) |
| Repayment Period | 5 Years (60 Monthly Installments) |
| Eligibility Criteria | Pakistani citizen, Age up to 60 years, Owns land/house (max 5 Marla), Monthly income ≤ Rs. 60,000, Good social character, Resides near an Akhuwat branch |
| Required Documents | CNIC, Proof of land ownership, Proof of income, Two guarantors’ CNICs |
| Application Process | Visit the nearest Akhuwat branch, fill the application form, submit documents |
| Official Website | akhuwat.org.pk/low-cost-housing-project |
🏠 What is the Akhuwat Foundation House Loan Scheme?
This interest-free loan scheme is designed for low-income individuals who:
✔ Want to build a new house
✔ Need to construct an additional room, kitchen, or bathroom
✔ Require funds for home renovation or improvement
📌 If you belong to a low-income group and need financial help to improve your home, this scheme is an excellent opportunity!
💰 Loan Amount & Repayment Details
✔ Maximum Loan Amount: Rs. 5 Lakh
✔ Repayment Period: 60 months (5 years)
✔ Repayment Mode: Easy Monthly Installments
✔ Interest Rate: 0% (Completely Interest-Free)
📌 Unlike regular bank loans, this scheme does not charge interest, making it an excellent option for deserving families.
📝 Eligibility Criteria – Who Can Apply?
To qualify for the Akhuwat House Loan Scheme, applicants must meet the following six conditions:
1️⃣ Must be a Pakistani citizen with a valid CNIC.
2️⃣ Age should not exceed 60 years at the time of application.
3️⃣ Applicant must own land or a house (up to 5 Marla or 1,360 sq. ft.).
4️⃣ Proof of ownership is required (Registry, Inteqal, Fard, or Allotment letter).
5️⃣ Monthly household income must not exceed Rs. 60,000.
6️⃣ Applicant must reside within an Akhuwat branch’s operational area.
📌 Additionally, the applicant must have a clean financial record and not be a defaulter of any other bank or institution.
📝 Required Documents for Loan Application
To apply, you need to provide:
✔ Copy of valid CNIC
✔ Proof of land/house ownership (Registry, Inteqal, Fard, or Allotment letter)
✔ Proof of income (Salary slip, business income statement, or any other relevant document)
✔ Two guarantors with valid CNICs
📌 Guarantors play a crucial role in the approval process, so choose trustworthy individuals.
📌 How to Apply for the Akhuwat Foundation House Loan?
The application process is simple and straightforward:
🔹 Step 1: Find the Nearest Akhuwat Branch
✔ Visit the official website: akhuwat.org.pk
✔ Click on “Contact” and then “Branch Network” to find the nearest branch.
🔹 Step 2: Visit the Branch & Submit Application
✔ Go to the nearest Akhuwat branch and obtain an application form.
✔ Fill in all the required details carefully.
✔ Attach necessary documents (CNIC, proof of land ownership, proof of income, and guarantors’ CNICs).
✔ Submit the completed application form at the branch.
🔹 Step 3: Loan Approval & Disbursement
✔ Once your application is verified and approved, you will be notified by Akhuwat Foundation.
✔ The loan amount will be disbursed from the nearest branch.
✔ Repay the loan in monthly installments as per the agreed schedule.
📌 The approval process may take some time, so ensure all documents are complete and accurate to avoid delays.
🎯 Benefits of the Akhuwat Foundation House Loan Scheme
✔ Completely Interest-Free – Unlike traditional bank loans, you won’t pay any extra charges.
✔ Flexible Repayment – Pay in easy monthly installments over 5 years.
✔ Financial Assistance for Low-Income Families – Specially designed for deserving individuals.
✔ Helps in Building & Improving Homes – Get funds to construct new rooms, kitchens, or bathrooms.
✔ No Hidden Charges or Processing Fees – Transparent loan process with no extra deductions.
📌 This scheme provides financial stability and a better living standard for underprivileged families.
📢 Important Updates & Deadlines
📢 Applications for 2025 are NOW OPEN.
📢 No deadline has been announced yet, but applicants are advised to apply as soon as possible.
📢 Visit your nearest Akhuwat branch to get detailed information and submit your application.
📌 For the latest updates, visit: akhuwat.org.pk/low-cost-housing-project
🔔 Conclusion
The Akhuwat Foundation House Loan Scheme 2025 is a life-changing opportunity for low-income families to build, improve, or expand their homes without worrying about interest payments. If you meet the eligibility criteria, don’t miss out on this chance to secure an interest-free loan of up to Rs. 5 Lakh.
✅ Apply today and take a step towards a better living standard for you and your family!
📢 For more details, visit your nearest Akhuwat branch or check their official website.
📌 If you found this information useful, share it with others who may benefit from this scheme! 🏡✨