Introduction
The Government of Pakistan has launched the Naya Pakistan Housing Scheme (NPHS) to provide affordable housing solutions to low-income individuals. Under this initiative, eligible citizens can obtain a loan of up to PKR 3.5 million to purchase or construct a house. The loan must be repaid within 20 years through monthly installments.
This article provides a step-by-step guide on eligibility criteria, required documents, application process, and key details of this housing scheme.
Key Features of Naya Pakistan Housing Scheme
1. Loan Amount & Repayment Terms
- Maximum loan amount: PKR 3.5 million
- Repayment period: 20 years (240 months)
- First 10 years: Interest rate at 2%
- Next 10 years (Years 11-20): Interest rate ranges between 5% to 8%
2. Subsidy & Budget Allocation
- The government has allocated PKR 72 billion in subsidies to facilitate low-cost loans.
- A total budget of PKR 100 billion has been approved for this scheme.
- 50,000 individuals across Pakistan will benefit from this initiative.
3. Equity Requirement
- Borrowers must contribute 10% equity (down payment).
- The remaining 90% will be financed by the government.
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Eligibility Criteria for Naya Pakistan Housing Scheme
To qualify for the Naya Pakistan Housing Scheme, applicants must meet the following conditions:
✅ National Identity Card (CNIC) holder – Applicants must be Pakistani citizens.
✅ Age Limit: 21 to 60 years
✅ Income Proof: Salary slip or bank statement required.
✅ No Prior Home Ownership: Applicants must not already own a house.
✅ No Personal Car Ownership (for certain categories).
Priority Groups for Naya Pakistan Housing Scheme
The following individuals will be given preference in loan approval:
- Widows
- Laborers & low-income workers
- Guardians of orphaned children
- Tenants looking to own a house
- Married youth & families seeking their first home
Required Documents for Naya Pakistan Housing Scheme
Applicants must submit the following documents:
📄 Copy of CNIC (National ID Card)
📄 Proof of Income (Salary slip/Bank statement)
📄 Residential Proof (Utility bills, rental agreement, etc.)
📄 10% Down Payment Proof (Equity requirement)
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How to Apply?
Step-by-Step Registration Process
- Wait for Official Portal Launch – The scheme will officially begin on August 14, 2025.
- Visit the NPHS Online Portal (Link will be provided by the government).
- Fill Out the Application Form with personal and financial details.
- Upload Required Documents (CNIC, income proof, etc.).
- Submit Application & Await Approval.
FAQs (Frequently Asked Questions)
1. What is the maximum loan amount under this scheme?
- The maximum loan amount is PKR 3.5 million.
2. What is the repayment period?
- The loan must be repaid in 20 years with monthly installments.
3. Who is eligible for this housing scheme?
- Pakistani citizens aged 21-60 years who do not already own a house.
4. When will registrations begin?
- The scheme will officially launch on August 14, 2025, with registrations starting shortly after.
5. Is a down payment required?
- Yes, applicants must contribute 10% of the property cost as equity.
Conclusion
The Naya Pakistan Housing Scheme is a revolutionary step by the government to provide affordable housing to low-income individuals. With low-interest loans, subsidies, and flexible repayment terms, this initiative aims to help 50,000 Pakistanis own their dream homes.
If you meet the eligibility criteria, prepare your documents and stay updated for the official registration launch on August 14, 2025. Don’t miss this opportunity to secure your own home with government support!
For further details, visit the official NPHS portal or check updates in leading newspapers like Express News and Jang.
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