{"id":102228,"date":"2025-05-13T17:47:01","date_gmt":"2025-05-13T12:47:01","guid":{"rendered":"https:\/\/www.zameen.com\/news\/?p=102228"},"modified":"2025-05-13T17:47:23","modified_gmt":"2025-05-13T12:47:23","slug":"govt-to-guarantee-all-affordable-housing-loans","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html","title":{"rendered":"Govt to offer 100% guarantees to banks for affordable housing finance"},"content":{"rendered":"\n

Islamabad: Federal Minister for Planning, Development, and Special Initiatives, Ahsan Iqbal, announced on Monday that the government is prepared to offer 100% guarantees to banks to secure their capital for affordable housing finance schemes aimed at benefiting common citizens.<\/p>\n\n\n\n

The announcement was made during a high-level meeting focused on addressing the critical challenges in long-term housing finance and exploring viable policy models for low-cost housing in Pakistan. The meeting was attended by key officials, including Planning Secretary Awais Manzoor Sumra, Vice Chancellor of PIDE Nadeem Javed, the Governor of the State Bank of Pakistan, CEOs of private banks, and representatives from the Pakistan Mortgage Refinance Company (PMRC) and National Bank of Pakistan (NBP).<\/p>\n\n\n\n

Read: Banks impose fees to meet loan targets, avoid taxes<\/a><\/p>\n\n\n\n

Iqbal highlighted the importance of ensuring affordable housing options for Pakistan’s population, stressing the need for accessible housing finance that could alleviate the housing crisis in the country. \u201cOwning a house should not remain a distant dream for the salaried class,\u201d he remarked. He also noted that, unlike the auto-leasing model, a similar framework for housing finance had yet to be fully explored in Pakistan.<\/p>\n\n\n\n

During the meeting, international best practices and successful mortgage models from countries such as Singapore, South Africa, Turkey, Bangladesh, Brazil, and India were reviewed. The discussions focused on developing a housing finance framework suited to Pakistan’s socio-economic landscape.<\/p>\n\n\n\n

The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier for banks to lend to low- and middle-income groups. This initiative aims to support the creation of affordable housing for the public, particularly for smaller homes like three-marla units, while also enabling banks to develop independent frameworks for financing larger properties.<\/p>\n\n\n\n

\u201cSuccessful housing finance models exist worldwide, and we must adapt them to Pakistan\u2019s context,\u201d said Iqbal, urging private banks to adopt a market-based model for housing finance without fear, assuring them of full government support.<\/p>\n\n\n\n

Read: DPC increases protection limit of member banks to PKR 1 mn<\/a><\/p>\n\n\n\n

Iqbal further emphasized the government’s commitment to facilitating this initiative by providing guarantees and regulatory support. He also proposed targeted government subsidies for smaller housing units and called on banks to independently design financing models for larger units.<\/p>\n\n\n\n

The minister pointed out that long-term housing finance is one of the biggest barriers to affordable housing in Pakistan, acknowledging the substantial progress made in 2017-18, which was disrupted by political instability. He stressed that policy continuity is crucial for the success of housing projects, as disruptions often cost the public dearly.<\/p>\n\n\n\n

The Planning Ministry\u2019s proposed financial framework was presented by Member Infrastructure Waqas Anwar. The Punjab government is also launching its own housing rollout programme, and to streamline legal and regulatory aspects, the Planning Ministry plans to engage with Federal Minister for Law, Azam Nazeer Tarar.<\/p>\n\n\n\n

Private banks have responded positively to the proposals, expressing their willingness to collaborate in designing a practical framework for affordable housing finance.<\/p>\n\n\n\n

Read: AI can improve banking access for women, SMEs, farmers: SBP<\/a><\/p>\n\n\n\n

\u201cThis is not just a policy initiative\u2014it is a national economic and social imperative,\u201d concluded Ahsan Iqbal, highlighting that the government’s housing finance guarantee will be pivotal in transforming the country\u2019s housing sector and supporting economic growth.<\/p>\n","protected":false},"excerpt":{"rendered":"

Islamabad: Federal Minister for Planning, Development, and Special Initiatives, Ahsan Iqbal, announced on Monday that the government is prepared to offer 100% guarantees to banks to secure their capital for affordable housing finance schemes aimed at benefiting common citizens. The announcement was made during a high-level meeting focused on addressing the critical challenges in long-term housing finance and exploring viable policy models for low-cost housing in Pakistan. The meeting was attended by key officials, including Planning Secretary Awais Manzoor Sumra, Vice Chancellor of PIDE Nadeem Javed, the Governor of the State Bank of Pakistan, CEOs of private banks, and representatives from the Pakistan Mortgage Refinance Company (PMRC) and National Bank of Pakistan (NBP). Read: Banks impose fees to meet loan targets, avoid taxes Iqbal highlighted the importance of ensuring affordable housing options for Pakistan’s population, stressing the need for accessible housing finance that could alleviate the housing crisis in the country. \u201cOwning a house should not remain a distant dream for the salaried class,\u201d he remarked. He also noted that, unlike the auto-leasing model, a similar framework for housing finance had yet to be fully explored in Pakistan. During the meeting, international best practices and successful mortgage models from countries…<\/p>\n","protected":false},"author":18,"featured_media":102230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15015],"tags":[2169,5109,20718,64630,2630,61756,64633,64638,64635,2534,64637,64634,61946,5950,64632,64631,33,64636,2631,10378],"persona":[],"class_list":{"0":"post-102228","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-legal-taxation","8":"tag-affordable-housing","9":"tag-ahsan-iqbal","10":"tag-economic-development","11":"tag-government-guarantees","12":"tag-housing-finance","13":"tag-housing-initiatives","14":"tag-housing-reform","15":"tag-infrastructure-growth","16":"tag-long-term-finance","17":"tag-low-cost-housing","18":"tag-mortgage-finance","19":"tag-national-housing-scheme","20":"tag-pakistan-housing-sector","21":"tag-planning-ministry","22":"tag-private-banks","23":"tag-public-policy","24":"tag-real-estate","25":"tag-social-uplift","26":"tag-state-bank-of-pakistan","27":"tag-urban-development","28":"cat-15015-id"},"acf":[],"yoast_head":"\nGovt to guarantee all affordable housing loans - Zameen News<\/title>\n<meta name=\"description\" content=\"The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Govt to guarantee all affordable housing loans - Zameen News\" \/>\n<meta property=\"og:description\" content=\"The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html\" \/>\n<meta property=\"og:site_name\" content=\"Pakistan Real Estate News & Pakistan Property News & Latest Updates - Zameen News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ZameenPK\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-13T12:47:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-13T12:47:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1170\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Samra Zulfiqar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ZameenProperty\" \/>\n<meta name=\"twitter:site\" content=\"@ZameenProperty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Samra Zulfiqar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Govt to guarantee all affordable housing loans - Zameen News","description":"The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html","og_locale":"en_US","og_type":"article","og_title":"Govt to guarantee all affordable housing loans - Zameen News","og_description":"The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier...","og_url":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html","og_site_name":"Pakistan Real Estate News & Pakistan Property News & Latest Updates - Zameen News","article_publisher":"https:\/\/www.facebook.com\/ZameenPK","article_published_time":"2025-05-13T12:47:01+00:00","article_modified_time":"2025-05-13T12:47:23+00:00","og_image":[{"width":1170,"height":400,"url":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg","type":"image\/jpeg"}],"author":"Samra Zulfiqar","twitter_card":"summary_large_image","twitter_creator":"@ZameenProperty","twitter_site":"@ZameenProperty","twitter_misc":{"Written by":"Samra Zulfiqar","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#article","isPartOf":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html"},"author":{"name":"Samra Zulfiqar","@id":"https:\/\/www.zameen.com\/news\/#\/schema\/person\/9810bc80e0f6830dcb87310b88ef6293"},"headline":"Govt to offer 100% guarantees to banks for affordable housing finance","datePublished":"2025-05-13T12:47:01+00:00","dateModified":"2025-05-13T12:47:23+00:00","mainEntityOfPage":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html"},"wordCount":556,"commentCount":0,"publisher":{"@id":"https:\/\/www.zameen.com\/news\/#organization"},"image":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#primaryimage"},"thumbnailUrl":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg","keywords":["affordable housing","Ahsan Iqbal","Economic development","government guarantees","housing finance","housing initiatives","housing reform","infrastructure growth","long-term finance","low-cost housing","mortgage finance","national housing scheme","Pakistan housing sector","Planning Ministry","private banks","public policy","real estate","social uplift","State Bank of Pakistan","urban development"],"articleSection":["Legal & Taxation"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html","url":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html","name":"Govt to guarantee all affordable housing loans - Zameen News","isPartOf":{"@id":"https:\/\/www.zameen.com\/news\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#primaryimage"},"image":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#primaryimage"},"thumbnailUrl":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg","datePublished":"2025-05-13T12:47:01+00:00","dateModified":"2025-05-13T12:47:23+00:00","description":"The minister proposed that the government guarantees 100% of the bank\u2019s capital for housing finance schemes, which would make it easier...","breadcrumb":{"@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#primaryimage","url":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg","contentUrl":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2025\/05\/Home-Financing.jpg","width":1170,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/www.zameen.com\/news\/govt-to-guarantee-all-affordable-housing-loans.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.zameen.com\/news"},{"@type":"ListItem","position":2,"name":"Govt to offer 100% guarantees to banks for affordable housing finance"}]},{"@type":"WebSite","@id":"https:\/\/www.zameen.com\/news\/#website","url":"https:\/\/www.zameen.com\/news\/","name":"Pakistan Real Estate News & Pakistan Property News & Latest Updates - Zameen News","description":"","publisher":{"@id":"https:\/\/www.zameen.com\/news\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.zameen.com\/news\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.zameen.com\/news\/#organization","name":"Zameen.com","alternateName":"Zameen","url":"https:\/\/www.zameen.com\/news\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zameen.com\/news\/#\/schema\/logo\/image\/","url":"https:\/\/news-cdn.zameen.com\/wp-content\/upload\/2015\/09\/Zameen.com_-_Logo.png","contentUrl":"https:\/\/news-cdn.zameen.com\/wp-content\/upload\/2015\/09\/Zameen.com_-_Logo.png","width":600,"height":300,"caption":"Zameen.com"},"image":{"@id":"https:\/\/www.zameen.com\/news\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ZameenPK","https:\/\/x.com\/ZameenProperty","https:\/\/www.instagram.com\/zameenpk\/"]},{"@type":"Person","@id":"https:\/\/www.zameen.com\/news\/#\/schema\/person\/9810bc80e0f6830dcb87310b88ef6293","name":"Samra Zulfiqar","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2020\/03\/Samra-96x96.jpg","url":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2020\/03\/Samra-96x96.jpg","contentUrl":"https:\/\/news-cdn.zameen.com\/wp-content\/uploads\/2020\/03\/Samra-96x96.jpg","caption":"Samra Zulfiqar"},"description":"Samra Zulfiqar, a real estate analyst at Zameen.com, is passionate about finding projects that offer buyers the best returns. Her keen insights spotlight the market\u2019s most promising opportunities.","url":"https:\/\/www.zameen.com\/news\/author\/samra"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/posts\/102228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/comments?post=102228"}],"version-history":[{"count":2,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/posts\/102228\/revisions"}],"predecessor-version":[{"id":102232,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/posts\/102228\/revisions\/102232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/media\/102230"}],"wp:attachment":[{"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/media?parent=102228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/categories?post=102228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/tags?post=102228"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.zameen.com\/news\/wp-json\/wp\/v2\/persona?post=102228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}