The issue of short supply of housing in the formal sector is due to many factors which are due to no linkage between urban planning, housing and poverty alleviation, non-availability of serviced land, developer...

Social venture fund that invests in nonprofits and socially directed for profits distributing vital products and services to the poor through scalable, market oriented approaches. About housing the urban poor, ...

Housing finance represents approximately 18% of total consumer financing in Pakistan. With outstanding (net of NPLs) at Rs.73.60 billion as on September 30, 2008, the housing finance sector has reported a growt...

This presentation is based on the study of loan servicing of HBFCL’s default management & recovery practices. It covers various issues in three parts, in Part A it is loan servicing & default management...

Urban population is nearly one-third of the total population and increasing. Likely to reach 50% by 2030-40. With changing socio-economic norms, household size will shrink from 6.6 to lower levels, leading to m...

The Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) became operational in March 2011. Central registry helps to reduce frauds arising from multiple lending by dif...

Introducing sustainability elements in low income housing. It covers large activities of developers who were uninterested as different business model; many small developers were interested, but were concerned a...

On-going population growth and increasing urbanization are creating major development problems in relation to provision of urban services and planned housing in large cities of the state. While urban population...

The affordable housing policy of Rajasthan, India in 2009. The presentation covers various housing scenarios, the agencies that are providing affordable housing in the states, the highlights of the Policy citie...

The interesting point, however, is that the growth has stemmed mainly from the aggressive lending drive of Islamic banks. Islamic banks’ outstanding financing witnessed a whopping rise of 32 percent over the pr...

Household have been found to be higher in high income bracket. Average household size across Pakistan is 6.9 persons per household. The highest have been found to be 11.1 persons in highest income bracket of mo...

Microfinance is one of the means for the poor and low-income people to enhance their standards of living and thus reduce poverty. Microfinance Institutions (MFIs) are organization credit union, down-scaled comm...

Opportunities and challenges of mortgage financing in Pakistan.  Among many other related issues, it discusses the impediments on the way of growth of mortgage, which are lack of developer home buyer financing ...

Housing differs from the standard Neoclassical good; it is heterogeneous and its spatial fixity means that the location of the housing stock matters to households. Promoting the Concept of Housing Finance. Enco...

Islamic housing finance. There are two basic Quranic concepts shaping modern Islamic finance: explicit prohibitions by God against riba and maysir. The Quran, the divine word of God, does not explain in detail....

The reported average time for loan processing is 24 days for all banks and DFIs; a trend that has remained almost similar over the year. Currently, the application processing of most banks is a centralized proc...

Khuda-ki-Basti is a grid-like, planned layout within the 5500-acre Gulshan-eShabbaz housing development located in Hyderabad. It is the site of a development scheme devised by the Hyderabad Development Authorit...

An affordable housing scheme in Pakistan, titled “Khuda-ki-Basti, in the city of Hyderabad, Pakistan. In this scheme, the actual housing is built incrementally as individual incomes allow; the social transforma...

An affordable housing scheme in Pakistan, titled “Khuda-ki-Basti, in the city of Hyderabad, Pakistan. This housing scheme was initiated by the former director general of the Hyderabad Development Authority (HDA...

In March 1986, the HDA launched an Incremental Housing Scheme (IHS) in a portion of Gulshan-i-Shahbaz, a township which is being developed on the periphery of Hyderabad, Sind. The scheme aimed at overcoming the...