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...
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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...
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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...
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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...
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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...
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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 ...
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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...
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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....
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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...
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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...
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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...
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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...
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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...
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House Building Finance Corporation (HBFC) was set up under the Government Act (titled “HBFC Act-1952”) as a public sector enterprise soon after Pakistan’s independence in 1947. Thus HBFC (the Corporation), est...
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REITs originated in United States in 1960. They were created by US Congress to make investments in large-scale, income-generating real estate accessible to small investors. The Congress envisaged REITs as entit...
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It is a presentation on mortgage-backed securitization (MBS), which globally is a very popular product. hopefully, HBFC’s proposed securitization will be the first MBS in the country. the proposed size o...
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The Nature of contract is a co-ownership. The transaction is not based on lending & borrowing of money but on the joint ownership of an asset. In Islamic Housing Finance, bank takes risk in property up to t...
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This presentation is based on Islamic housing financing. It describes various modes of Islamic financing like Murabaha, Ijarah, Istisna, and Diminishing Musharakah (Mostly used in banks for Islamic Housing Fina...
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The need and methods of developing sustainable formal rental housing market. It discusses the advantages of rental housing against homeownership, the availability and affordability across households with varyin...
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Affordable housing in Ahmedabad, India. In 2012, the estimated housing shortage in India was 18.78 million units. 88% of this shortage pertains to households with annual incomes of about Rs100,000 (USD 1,724) a...
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This document is detailing the state of housing and housing finance of Afghanistan. The document mentions how Afghanistan’s particular history had an effect on the urbanization and flow of population within th...