Akhuwat Loan (قرض) حاصل کرنے کا طریقہ کار
Akhuwat Loan Products – دلچسپ قرض کی اقسام
Akhuwat Foundation Pakistan mein interest-free (بلا سود) microfinance loans faraham karti hai taake kam-آمدنی walay fard apna rozgaar, taleem, reh-ایسə یا doosri zarooriyat poori kar saken.
📌 1. Family Enterprise Loan (گھریلو کاروبار قرض)
- Loan Duration: 10 – 36 ماہ
- Loan Range: ₨ 10,000 – ₨ 50,000
- Interest: 0% (سود نہیں)
- Initial Fee: حداکثر ₨ 200
- Mutual Support Fund Contribution: 0%
- Is loan ka maqsad naye ya maujooda chhote business ko shuru ya expand karna hai.
📌 2. Agriculture Loan (زرعی قرض)
- Loan Duration: 10 – 36 ماہ
- Loan Range: ₨ 10,000 – ₨ 50,000
- Interest: 0% (سود نہیں)
- Initial Fee: حداکثر ₨ 200
- Mutual Support Fund Contribution: 0%
- Ye loan kisani aur zarai kaam ke liye diya jata hai, taake farmers apna kaam behtar tor par chala sakein.
📌 3. Housing Loan (گھر بنانے/مرمت قرض)
- Loan Duration: 10 – 36 ماہ
- Loan Range: ₨ 10,000 – ₨ 50,000
- Interest: 0%
- Initial Fee: حداکثر ₨ 200
- Mutual Support Fund Contribution: 0%
- Is loan se ghar banane ya marammat ka kharcha poora kiya ja sakta hai.
💡 Loan Features (اہم خصوصیات)
✔ Akhuwat ke tamam loans Qarz-e-Hasna (بلا سود قرض) hain — koi interest nahi lagta.
✔ Loans ke saath mutual support fund ka koi additional interest nahi hota.
✔ Loan apply karne ke liye aapko nearest branch par ja kar application aur documents jama karne hotay hain (online apply available nahi hota).
Akhuwat Foundation Pakistan mein interest-free (بلا سود) microfinance loans deti hai taake mazloom aur kam income walay fard apna business chalane, taleem, sehat ya ghar ki zarooriyat poori kar saken.
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Eligibility (اہلیت)
Loan ke liye applicants ko kuch zaroori shara’it puri karni hoti hain, jin mein shamil hain:
✔ Valid CNIC hona.
✔ Age 18 se 62 saal ke beech.
✔ Musalsal business ya financially active honay ki salahiyat.
✔ Do guarantors muhayya karna (relatives ke ilawa).
✔ Us ilaqay ka rehaishi hona jahan branch office kaam karta hai.
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Application Submission (درخواست جمع کروانا)
Loan process ki shuruaat applicant ke nearest Akhuwat branch mein ja kar documents aur application submit karne se hoti hai. Akhuwat online loan applications accept nahi karti — official form sirf branch se milta hai.
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Eligibility & Appraisal (اہلیت اور جانچ پڑتال)
Akhuwat staff aapki application aur documents check karta hai aur applicant ki social aur financial situation ka appraisal karta hai. Guarantors ki details aur reference check ki jati hain.
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Loan Approval (منظوری)
Puri application ko review karne ke baad, loan case ko Loan Approval Committee (LAC) ke samne rakha jata hai. Committee agar case approve kar deti hai to loan finalize ho jata hai.
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Loan Disbursement (رقم کی فراہمی)
Loan amount ko munazzam tor par community gathering (jaise mosque ya church event) mein beneficiaries ko diya jata hai. Kuch cases mein paise seedha bank account mein transfer bhi kiye ja sakte hain.
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Repayment & Follow-Up (ادائیگی اور نگرانی)
Loan milne ke baad borrower ko monthly installments (reports ke mutabiq) repay karni hoti hain, aur branch staff zarurat par monitoring aur guidance deti hai taake repayment time par ho.
Additional Points (مزید اہم باتیں)
Akhuwat loans sirf interest-free (Qard-e-Hasna) hote hain — is mein riba bilkul nahi hota.
Loan ke liye online application available nahi hoti; applicants ko branch visit karna zaroori hai.
Akhuwat Foundation has launched the House Loan Scheme in Pakistan, offering interest free home loans for eligible families. In this video, you will get complete and clear details about the scheme, including eligibility criteria and application requirements.
In this video, you will learn:
What is Akhuwat Foundation House Loan Scheme?
Interest free home loan details
Eligibility criteria for house loan
Required documents for application
How to apply for Khuwat Foundation home loan
Important terms and conditions
Website Official Loan Detail
https://akhuwat.org.pk/programs/loan/products
Website Official Loan Progress
https://akhuwat.org.pk/programs/loan/process
