{"id":102704,"date":"2025-07-07T11:20:00","date_gmt":"2025-07-07T06:20:00","guid":{"rendered":"https:\/\/www.zameen.com\/news\/?p=102704"},"modified":"2025-07-08T16:23:39","modified_gmt":"2025-07-08T11:23:39","slug":"govt-introduces-tax-credit-for-low-cost-housing-loans","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/news\/govt-introduces-tax-credit-for-low-cost-housing-loans.html","title":{"rendered":"Govt introduces tax credit for low-cost housing loans"},"content":{"rendered":"\n<p>Islamabad: The federal government has introduced a new tax credit under Section 63A of the Finance Act 2025, aimed at promoting affordable housing by offering tax relief on interest payments for low-cost housing loans.<\/p>\n\n\n\n<p>According to the new provision, individuals will be entitled to a tax credit against profit on debt, share in rent, or share in the appreciation of a home&#8217;s value\u2014provided the loan is obtained from a scheduled bank, a financial institution regulated by the Securities and Exchange Commission of Pakistan (SECP), or a government-linked entity.<\/p>\n\n\n\n<p>The credit applies specifically to housing loans used for constructing or acquiring a personal residential unit\u2014either a house with a land area of up to 2,500 square feet or a flat of up to 2,000 square feet.<\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/www.zameen.com\/news\/supreme-court-asks-government-to-make-policies-for-low-cost-housing.html\" target=\"_blank\" rel=\"noreferrer noopener\">Supreme Court asks Government to make policies for low cost housing<\/a><\/p>\n\n\n\n<p>To ensure the relief is targeted toward low- and middle-income individuals, the tax credit is limited to the lesser of either the actual markup paid or 30% of the individual\u2019s taxable income, based on the defined size limits of the property.<\/p>\n\n\n\n<p>This move is part of the government\u2019s broader initiative to expand access to affordable housing and reduce the financial burden on individual taxpayers investing in modestly sized residential units.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Islamabad: The federal government has introduced a new tax credit under Section 63A of the Finance Act 2025, aimed at promoting affordable housing by offering tax relief on interest payments for low-cost housing loans. According to the new provision, individuals will be entitled to a tax credit against profit on debt, share in rent, or share in the appreciation of a home&#8217;s value\u2014provided the loan is obtained from a scheduled bank, a financial institution regulated by the Securities and Exchange Commission of Pakistan (SECP), or a government-linked entity. The credit applies specifically to housing loans used for constructing or acquiring a personal residential unit\u2014either a house with a land area of up to 2,500 square feet or a flat of up to 2,000 square feet. Read: Supreme Court asks Government to make policies for low cost housing To ensure the relief is targeted toward low- and middle-income individuals, the tax credit is limited to the lesser of either the actual markup paid or 30% of the individual\u2019s taxable income, based on the defined size limits of the property. This move is part of the government\u2019s broader initiative to expand access to affordable housing and reduce the financial burden on individual&hellip;<\/p>\n","protected":false},"author":18,"featured_media":64102,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15017],"tags":[2169,65529,62065,65791,2630,21960,65792,122,65794,65793,64366,7361,65789,65790,65122],"persona":[],"class_list":{"0":"post-102704","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-notices-announcements","8":"tag-affordable-housing","9":"tag-finance-act-2025","10":"tag-government-incentives","11":"tag-home-loan-markup","12":"tag-housing-finance","13":"tag-income-tax","14":"tag-low-cost-housing-loans","15":"tag-pakistan-real-estate-2","16":"tag-personal-housing-tax-relief","17":"tag-property-tax-benefits","18":"tag-residential-construction","19":"tag-secp","20":"tag-section-63a","21":"tag-tax-credit","22":"tag-tax-policy-pakistan","23":"cat-15017-id"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Govt introduces tax credit for low-cost housing loans-Zameen News<\/title>\n<meta name=\"description\" content=\"The credit applies specifically to housing loans used for constructing or acquiring a personal residential unit\u2014either a house with a land...\" \/>\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-introduces-tax-credit-for-low-cost-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 introduces tax credit for low-cost housing loans-Zameen News\" \/>\n<meta property=\"og:description\" content=\"The credit applies specifically to housing loans used for constructing or acquiring a personal residential unit\u2014either a house with a land...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zameen.com\/news\/govt-introduces-tax-credit-for-low-cost-housing-loans.html\" \/>\n<meta property=\"og:site_name\" content=\"Pakistan Real Estate News &amp; 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