Update (6th December 2019): Prime Minister Imran Khan has reportedly directed the Federal Board of Revenue to remove sales tax and fixed tax from construction work that will be executed under the Naya Pakistan Housing Scheme. Special Assistant to Prime Minister on Information Firdous Ashiq Awan announced the decision while talking to the media on Dec. 5. Awan added the measure, which is under consideration in Punjab, Khyber-Pakhtunkhwa and Balochistan, is aimed toward promoting the country’s housing and construction sector. PM Khan also asked provincial officials to report him on unused public land that can be used for his flagship low-cost housing program.
Update (27th November, 2019): The Punjab Housing and Town Planning Agency (PHATA) has released the payment plan for residential plots being offered under the third phase of NPHP in Rawalpindi. These plots vary between 3 and 5 marla.
|Unit size||3 marla||5 marla|
|Processing Fee||PKR 250||PKR 250|
|Token Money (Refundable)||PKR 10,000||PKR 10,000|
|20% Down Payment||PKR 67,200||PKR 112,000|
|36 Monthly Instalments||PKR 7,467||PKR 12,445|
|Estimated Total Price||PKR 336,000||PKR 560,000|
Please note the last date to submit NPHP application form for Rawalpindi is December 12. The form is available on the official PHATA website and can be submitted at the designated branches of the Bank of Punjab before the due date. Moreover, as per the form, the estimated total price for these residential plots may vary. Also, it does not include Sui gas utility charges.
Update (19th November 2019): As per the latest news, the deadline to register for Naya Pakistan Housing Programme has been extended till the 15th of December. The second phase of registration began on July 15 for a period of three months. Later, the government extended the due date to the 15th of November. However, owing to the increasing popularity of the programme, the deadline to register for this low-cost housing scheme has now been further pushed to the mid of December.
Update (October 24, 2019): In a recent update, the distribution of houses under the Naya Pakistan Housing Program in Renala Khurd, Okara has been revealed. According to the latest announcement, of the total 800 housing units, 770 would be allotted to the general public, 10 units to disabled persons and 12 would be reserved for government employees. The remaining 8 housing units will be allotted to the families of those police officers who laid their lives while serving the country.
Pakistan needs more affordable houses, period. House ownership in a country where a lot of people are struggling to make both ends meet is vital. Homelessness is a major problem that not only exists in this part of the world but also in developed countries. However, there are some nations who have been quite successful in eradicating homelessness through some of the effective measures it has taken. Case in point: Finland. The country believes that it is a fundamental right of every citizen to have a house of their own – even if it’s someone battling drug and/or alcohol addiction. The result was that once the homeless were provided homes to live in, they did not find a reason to continue substance abuse. In fact, many of these citizens started contributing to the betterment of the society. This approach of treating people equally, irrespective of which social strata they belong to, and also providing them with affordable housing options, was a major success in Finland. In Pakistan, homelessness isn’t the only issue at hand. House ownership is also a matter of great concern for those who can’t afford to have a house of their own and heavily depend upon rented houses. To provide affordable houses to Pakistanis and to deal with the shortfall of 10 million houses is what the new government is aiming for. Naya Pakistan Housing Scheme is a breath of fresh air in this regard.
PM launches Naya Pakistan Housing Scheme
It is a government-run project where five million affordable houses for Pakistanis are to be constructed. More commonly known as Imran Khan Housing Scheme or the Prime Minister Housing Scheme, it is quite popular among people hailing from lower and middle-income backgrounds. Here are the complete details on the project so far revealed by Prime Minister Imran Khan.
How to apply for Naya Pakistan Housing Scheme?
Naya Pakistan Housing Program is meant for those who can’t afford houses at the current market prices. It also requires them to meet certain criteria in terms of total household income. The question most people ask was “Who can apply for Naya Pakistan Housing Program?”
The application form could be downloaded from National Database and Registration Authority’s (NADRA’s) website. The applicants were required to mention the family’s total gross income per month if it was in the range mentioned below:
- Less than PKR 20,000
- Between PKR 20,001 and PKR 40,000
- Between PKR 40,001 and 60,000
- Between PKR 60,001 and PKR 100,000
- More than PKR 100,000
Owing to the popularity of the housing scheme, the date to submit the form was extended to 1st April 2019.
Eligibility criteria for the housing scheme
The eligibility criteria for Naya Pakistan Scheme is that only one person can apply after submitting PKR 250 with the form. Soon after the launch of the program, a number of applications were received by NADRA. Half a million of them have been digitized.
In a nutshell the NPHP eligibility criteria is as follows:
- Only one person per family can apply (husband/wife).
- A fee of PKR 250 to be submitted along with the registration form.
- Those with a monthly income of approx. PKR 10,000 – PKR 25,000 will be preferred.
- Those who do not own any independent properties in Pakistan will be preferred.
Houses in Naya Pakistan Housing project will be built in three categories. These are:
- Labour class
- Lower middle class
- Middle class
These houses will be offered on a 10 percent to 25 percent down payment to all the above-mentioned categories.
Naya Pakistan Housing Scheme payment plans
Banks are to provide home loan facilities on appropriate terms and conditions where the payment could be cleared in up to 20 years. So, if you have applied in this affordable housing project, gear up to pay 20 percent as Naya Pakistan Housing Scheme down payment, while the remaining 80 percent payment will be provided by the bank — through the home financing option. In Naya Pakistan Housing Scheme payment plans, the owners will also have to pay an additional 10 percent markup. The government plans to embrace the rent equalization model to keep it an affordable housing project for the low-income group. An Egyptian tycoon, Naguib Sawiris, has shown interest to invest in 100,000 units of the housing project.
Naya Pakistan Housing Scheme details
The latest updates in Apna Ghar Naya Pakistan Housing Scheme 2019 are that the government has formed an authority by the name of Naya Pakistan Housing Authority (NPHA). It will take forward the government’s plan to construct 135,000 housing units across the country. Prime Minister of Pakistan will inaugurate the project first in Islamabad where it will construct 25,000 houses and later in Balochistan where it is in the plan to construct 110,000 houses. It is also in the plan to build a special town for Gwadar fishermen under the scheme. The first Phase of Naya Pakistan Housing Project has kicked off and it is being reported that Phase-1 of Naya Pakistan Housing Program will comprise around 6000 houses. The project will be built by the private sector, while the government will act as a facilitator for providing land for the project and also for removing the related hurdles in the project’s execution.
Details on the pilot project
The pilot project will be a joint venture between the private sector and Federal Government Employees Housing Foundation. The government would construct double-unit houses under the Naya Pakistan Housing Project. As mentioned above, the government will be the facilitator in the project while private firms will build the units. A Chinese company has shown willingness to construct two million houses under the project. The good news is that the government has made it mandatory for Chinese and other international companies working under the Naya Pakistan Housing Program to use only locally produced raw material. Also, no company will be allowed to hire labour force from other countries.
Cities included in Naya Pakistan Housing Project
Further, to construct houses under the first phase of Naya Pakistan Housing Program, these districts have been chosen:
In the Naya Pakistan Housing Scheme update, Punjab government has decided to start this affordable housing project in the cities of Layyah, Quaidabad (Khushab) and Bhakkar. The process of receiving Naya Pakistan Housing Scheme applications from people will begin shortly. This announcement was made in the Punjab Housing and Town Planning Agency (PHATA) governing body’s meeting. The Minister for Housing directed to give the final shape to the arrangements of starting this low-cost housing program.
The meeting also decided to make the final selection of proposed sites in Lahore. The committee will submit its report after visiting the proposed sites.The minister also directed that the PHATA governing body’s meeting should be convened every 15 days to speed up the ongoing work of Naya Pakistan Housing Scheme. A brief was also shared regarding the design of Naya Pakistan Housing Scheme Multan project.
Converting slums into towering high-rises
While launching this affordable housing project, PM Imran Khan said ‘the plan is to turn the country’s slums into towering high-rises via a revolutionary new construction mechanism invented by the Chinese.’
He added nearly ‘40 percent’ of Karachi’s population dwells in katchi abadis.
PM Khan was optimistic that a Chinese company has offered to make prefabricated homes and build an entire floor in a week, so they can actually convert slums into high rise buildings in a short span of time.
CDA approves land for Naya Pakistan Housing Program
Capital Development Authority (CDA) has approved seven acres of land for this housing project in the Mauve Area, Islamabad. The board has also given approval of awarding 508 kanal of land near Askari-VI to Federal Government Employees of Housing Foundation (FGEHF) for the Naya Pakistan Housing Scheme Islamabad.
These are the latest updates on Apna Ghar Naya Pakistan Housing Scheme 2019. There are plans of launching Naya Pakistan Housing Scheme Phase 3 in the near future. Stay tuned for more updates to the best blog for real estate updates in Pakistan