Your Roof, Your Home | اپنی چھت اپنا گھر
Easy Home Loan Without Interest – Up to Rs. 15 Lakh
The Government of Pakistan has launched a new scheme called Your Roof, Your Home 2025. اپنی چھت اپنا گھر 2025. This scheme offers interest-free home loans up to Rs. 15 lakh. It is made to help people who do not have enough money to build or buy their own house.
What is the Purpose of This Scheme?
This scheme is for low-income families who dream of having their own house. The government wants to help those people by giving them loans without interest. The main aim is to support poor and middle-class people.
Key Details of the Loan Scheme
| Feature | Details | تفصیل |
| Scheme Name | Your Roof, Your Home 2025 | اپنی چھت اپنا گھر 2025 |
| Loan Amount | Up to Rs. 15,00,000 | 15 لاکھ روپے تک |
| Interest Rate | 0% (Interest-Free Loan) | 0٪ (بغیر سود کے قرض) |
| Repayment Time | 5 to 10 Years | 5 سے 10 سال |
| Monthly Installment | Based on income (Flexible) | آمدنی کے مطابق آسان اقساط |
| Who Can Apply | Pakistani Citizens, Age 18+, Low Income (Below Rs. 25,000/month) | پاکستانی شہری، 18 سال سے زائد عمر، کم آمدنی والے |
| Documents Needed | CNIC, Income Proof, House Details | شناختی کارڈ، آمدنی کا ثبوت، گھر کی معلومات |
| Where to Apply | Online through the official website | سرکاری ویب سائٹ پر آن لائن درخواست دیں |
| Loan Providers | Bank of Punjab, Meezan Bank, HBFC, Others | بینک آف پنجاب، میزان بینک، ایچ بی ایف سی، دیگر |
Loan Amount and Time to Pay Back
- Loan Limit: Rs. 15,00,000 (Fifteen Lakh Rupees)
- Interest Rate: 0% (No extra money will be charged)
- Time to Pay: 5 to 10 years
- Monthly Payment: Easy monthly installments, based on your income
Who Can Apply?
You can apply if:
- You are a Pakistani citizen
- Your age is above 18 years
- Your monthly income is below Rs. 25,000
- You do not already own a house
- Women and disabled persons are also encouraged to apply.
How to Apply?
- Go to the official government website.🔗 acag.punjab.gov.pk
- Fill out the online form
- Attach required documents (CNIC, income proof, house details)
- Wait for verification and approval
- If approved, the loan will be given within 30 days
📞 Need Assistance?
- Helpline: 0800-09100
- Alternate Contact: 042-99213419
- Offline Application: Visit your local Deputy Commissioner (DC) office for support with the application process
Where to Get the Loan?
This loan is available from many banks and institutions like:
- Bank of Punjab
- Meezan Bank
- House Building Finance Company (HBFC)
- Other partner banks across Pakistan
Benefits of This Scheme
- No interest on the loan
- Easy to apply and pay back
- Helps poor families build their own houses
- A step toward reducing the housing problem in Pakistan
FAQs
Q: Can I apply from any city?
Yes, this scheme is available in most cities of Pakistan.
Q: I do not have a job, can I still apply?
Yes, if you run a small business or earn in any way, and can show proof of income.
Q: Do I need to give any guarantee?
Usually, only documents like CNIC and income proof are needed. In some cases, a reference or guarantee may be asked for.
Final Words
The Your Roof, Your Home 2025 scheme is a great opportunity for people in Pakistan who want to own a house. With an interest-free loan of Rs. 15 lakh, turning your dream into reality becomes easier. If you meet the requirements, do not wait, apply now and build your future.
