Akhuwat Home Loan Scheme 2022 is open to those Pakistani citizens who do not have a home/roof. Pakistani residents living on the streets and homeless are eligible for the program. Pakistan is a Muslim welfare state responsible for providing housing, food, and clothing for its citizens. The foundation of Akhuwat is Pakistan's partner to overcome poverty in the country. Today Akhuwat offers interest-free loans to build a house. Anyone who does not have a roof / living room can apply for Akhuwat loan scheme 2022. The said foundation provides an opportunity to build a house.

Many residents have bought property to build houses. But due to lack of funds they cannot build houses. Such citizens do not need to worry about getting a loan from the Akhuwat Foundation for housing purposes. They can download the Akhuwat home loan application form with the link provided. Akhuwat offers interest-free loans to build a house. Beneficiaries will need to repay Akhuwat's mortgage loan through a highly regulated payment system.

Akhuwat Loan for House Scheme 2022


It is a common extension of the "nice home" but in Pakistan, most residents live on footpaths. They can’t afford their houses and have a dream to build their own pipeline. Such residents do not have enough money to start building houses. Akhuwat funds those poor citizens who want to build their own pipelines. The following terms and conditions apply to obtain a loan for Akhuwat.

  • Functional CNIC
  • The age should not be more than 60 years
  • The applicant must own land or a house
  • Valid documents / proof of ownership
  • 5 Marla land area or covered area, not more than 1360 sq. M. ft.
  • The applicant's monthly household income should amount to PKR 60,000
  • The applicant must have a clear credit history

Akhuwat Loan Online Application Form

It is very easy to apply for Akhuwat Loan in Pakistan. Candidates can apply for the Akhuwat Home Loan Scheme 2022 online at the link provided akhuwat.org.pk. Applicants must read the terms and conditions before applying the Akhuwat loan scheme 2022. Akhuwat is the largest operating base since 1984 throughout Pakistan. Its main purpose is to eradicate poverty in Pakistan and to support the poorest families. Almost Akhuwat-based offices are located in each tehsil of Pakistan.

The Prime Minister's Affordable Housing Program

The Pakistani government through the Department of Housing and Labor has introduced the Housing Program with a total PKR 7 Billion, of which 7 Billion has been disbursed by the Government of Pakistan to date and later released. In this program, poor and eligible families will receive financial assistance in line with Shariah-related products, which can reach PKR 550,000 / - through Akhuwat Islamic Microfinance (AIM). This program is designed to help those in need of economic and social assistance.

Government of Pakistan through Ministry of Housing & Works has launched a Housing Scheme with total funds of PKR 7 Billion out of which 7 Billion has been released by the Government of Pakistan till now & subsequently disbursed. Under the said scheme, poor and deserving families will be provided with financial assistance as per Shariah compliant product up to PKR 500,000/- through Akhuwat Islamic Microfinance (AIM). This scheme seeks to support the poor both economically and socially.

Salient Features of the Scheme are as follows:

  • Financing size up to Rs. 500,000/-
  • Repayment period is from 13 to 60 months. An early repayment will be welcomed.
  • Average Monthly rental amount is up to Rs. 10,000/-
  • Financing will be given for following purposes:
    • Entire New Construction or Lanter for new house.
    • Addition of rooms, kitchen & bathroom etc.
    • Renovation & upgradation.
  • The application processing fee will be zero.

Eligibility Criteria for Low Cost Housing Scheme

To be eligible under the said scheme, the applicant must meet the following criteria of having;

Valid CNIC

  • Age up to 60 years
  • Applicant must be the owner of the land/house
  • Valid ownership title or evidence of land/house (may include Registry, Inteqal, Fard, Allotment letter or any other valid evidence deemed appropriate)
  • Land size of 5 Marla or less or covered area which is not more than 1,360 sqft.
  • Good social and moral character in community
  • Monthly household income up to Rs. 60,000.
  • Residence in the operational area of AIM’s branch.
  • Should have a clear credit history (if any).

*Preference may be given to widows and households with monthly income below Rs. 40,000.

For further details, please visit our branch nearest to your plot/house under consideration. Complete address & contact details of our branches is available on our website.

Online Apply