Akhuwat Housing Loan Scheme

The Akhuwat Housing Loan Scheme is a powerful initiative by the Akhuwat Foundation that aims to provide interest-free loans to low-income families for building, expanding, or renovating their homes. The scheme helps families improve their living conditions with dignity and financial support.

Akhuwat Loan Amount

• Minimum Amount: Rs. 10,000
• Maximum Amount: Rs. 50,000

Loan approval depends on the applicant’s financial background, the type of housing need, and repayment ability.

Purpose of Akhuwat Loan?

Borrowers can use this loan for:

• New house construction
• Adding a room or floor to existing homes
• Renovation or repair of damaged homes
• Basic utility installations (water, electricity, sanitation)

Akhuwat Loan Installments:

• Repayment Period: 13 to 60 months
• Installments: Monthly
• Profit Rate: 7% (Only for housing loans)

This is the only Akhuwat loan that carries a small service charge (7%) due to the longer duration and larger amount. Still, it’s significantly lower than any market-rate housing finance.

Eligibility Criteria:

Applicants must meet the following conditions:

• Must be a Pakistani citizen
• Age should be between 18 and 62 years
• Belong to a low-income household
• Have a clear plan for housing construction or renovation
• Own land or have proof of legal possession/tenancy
• Must be honest and community-recommended

How to Apply Akhuwat Loan

Step-by-Step Process

1. Visit the nearest Akhuwat branch
   Go to your local Akhuwat center or mosque-linked office.
2. Fill the application form
   Include details of your housing need, land documents, and income.
3. Attach required documents
   • CNIC copy
   • Two passport-size photos
   • Proof of income and residence
   • Land ownership or tenancy documents
4. Field verification and interview
   Akhuwat officers will conduct a home visit and community check.
5. Loan approval and disbursement
   Upon approval, the loan is disbursed in stages based on construction milestones.

Application Fee

Processing Fee: Up to Rs. 200 (non-refundable)
This small fee covers administrative and field expenses.

How to Apply for Akhuwat Loan Online?

Akhuwat does not offer any online application platform for loans. All applications must be submitted in person at the nearest Akhuwat branch or mosque center.

⚠️ Beware of Scammers

• Akhuwat does not accept loan applications via WhatsApp, Facebook, or any unofficial websites.
• Never share your personal documents or pay money to individuals claiming to offer Akhuwat loans online.
• Do not contact random phone numbers shared in social media groups or comments — these are likely scams.

Always verify information by visiting the offic