Naya Pakistan Housing Authority For those who can’t afford homes at the current market prices, essentially, but it also requires them to meet certain criteria in terms of total household income.
In the registration form that’s available for download on National Database and Registration Authority (NADRA) website, the applicant is required to mention if his family’s total gross income per month falls within these ranges;
- Less than PKR 20,000
- Between PKR 20,001 and PKR 40,000
- Between PKR 40,001 and 60,000
- Between 60,001 and 100,000
- More than PKR 100,000
The government will construct five million houses in five years for people who earn between PKR 10,000 and PKR 25,000 per month.
As announced earlier, the homes will be built in three categories i.e. labour class, lower middle class, and middle class. These will be offered on a 10% to 25% down payment.
Price and payments
Details on price of the units built under the program haven’t been revealed yet, but we do know that banks are to provide home loan facilities on appropriate terms and conditions where the payment could be cleared in up to 20 years. Among its fellow countries in the region, the number of people opting for home loans in Pakistan is startlingly low.
According to a news report, the price of 2-marla and 4-marla units which the government plans to construct, will fall in the range of PKR 800,000 to PKR 12,000,000.
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. In this regard, Khan announced that Naya Pakistan Housing Authority (NPHA) will be set up in the next three months. The NPHA will operate as a one-window operation cell to carry out the related formalities. Until the authority becomes functional, a 17-member task force will look into the project affairs.
Details on the pilot project
The pilot project will commence from October 12 in Islamabad and it will be for the employees of Federal Government of Pakistan from Basic Scale (BS)-1 to BS-16. The project will be a joint venture between the private sector and Federal Government Employees Housing Foundation.
Further, to construct houses under the first phase of Naya Pakistan Housing Programme, seven districts have been chosen; Islamabad, Faisalabad, Quetta, Muzaffarabad, Swat, and Sukkur.
The process has begun for registering the home seekers and forms are now available on NADRA’s official website for download. The registration forms are to be duly filled and submitted in the designated offices in the respective cities along with a certain amount to be charged as a processing fee. For complete details on how to apply for Naya Pakistan Housing Programme, stay tuned for our upcoming blog.
Frequently asked questions on Naya Pakistan Housing
- Can overseas Pakistanis apply for Naya Pakistan Housing Programme?
Yes, in fact, many Pakistanis based in other parts of the world have already applied for it. The applicant has to meet the conditions set by the Government of Pakistan. These conditions are explained hereunder.
- Can those earning PKR 100,000 or more per month apply?
Yes, because the question inquiring about the gross family income includes the relevant option; “Above 100,000”. But there is a possibility that applicants belonging to the income tier above PKR 100,000 will only be accommodated in the later phases of the programme.
- Do I have to apply for a house in the same city I am currently residing in?
No, the form lets you choose your desired city.
- Can Federal or provincial employees also apply?
Yes, a specific quota has been reserved for government employees. The respective departments will be issuing directives on when and how to go about applying.
- If the income of a family member is lower than the total household income (that exceeds PKR 100,000), can he apply?
A family essentially means a husband, his wife and children; if you are unmarried, you will be counted as a member of your father’s family. Only one member per family can apply; regardless of your individual income.
- I live in Lahore, how can I apply for a house in Islamabad?
Yes, you can apply for a house built under Naya Pakistan Housing Programme in Islamabad if you are a resident of Lahore by filling the application and choosing Islamabad as your desired city.
- Can employees of private companies also apply for a house?
Employees of private companies are citizens of Pakistan, so they can definitely apply. Please note that there is no specific quota reserved for private sector employees.
- Will the ballot be conducted on domicile basis?
Not at the current stage, the form asks you about your current city of residence and the location you desire to have a house under this programme.
- Can I submit the form and processing fee online?
The government has so far not arranged for a mechanism to apply online. But if you are living abroad, you can send your form via email and someone here, who can submit the form on your behalf.
- Can someone else submit a form on my behalf?
Yes, just fill in the form by meeting all the requirements and hand over the envelope to someone you trust for submitting the form.
- Can I apply for a home in more than one district to increase my chances of getting a house?
This is not a regular application process invited by a developer of some real estate project. The process is meant to ascertain the needs of people and attend to them accordingly. We should act responsibly towards the programme and submit only one application per family.
- Can a house allocated under NPHP be used for rental income?
No, the Naya Pakistan Housing Programme is not for investors to generate additional income; it’s to give affordable houses to the deserving. The model followed for the programme will bar owners from renting out the property.
- Can those having BPS-17 or above apply?
Not yet. Currently, applications from employees having BPS 1-16 have been invited. As and when Federal Government Employees Housing Foundation will invite applications from those in higher grades are asked to apply.
Naya Pakistan Housing Authority Prime Minister Imran Khan has inaugurated Naya Pakistan Housing Authority Program at a ceremony in Islamabad today.
The inauguration of the project Naya Pakistan Housing Authority , is part of government’s election manifesto of constructing five million houses for the shelterless people in its five year tenure.
“One country wants to invest USD20 in the housing industry in Pakistan,” Prime Minister Khan said.
“Inshallah, we will steer Pakistan out of crises. It’s a difficult time for us but this too will phase soon,” he said.
The prime minister said that he would devise a roadmap to address the challenges being faced by the country.
“The housing scheme is our real scheme. At least 40 industries are directly related with the housing scheme. When we launch the project, all these industries will benefit from it,” he said.
“Our target is to build five million affordable houses in five years. Only ordinary people will benefit from this scheme,” Khan said.
“A common man who can never think of owning his house is our target. And our second target is to provide employment opportunities to our jobless youth,” he said, adding that 40 industries were directly linked with the housing project.
“We will encourage youth to set up their own construction companies to be part of this initiative,” the premier said.
Khan said that skill development program would also be launched to help youth benefit from the project.
The prime minister noted that 80 percent of American population build their homes through loans.
He announced that Naya Pakistan Housing Authority would be set up to provide one-window operation to investors.
“The authority will facilitate the process,” he said, adding he would himself supervise the project.
The authority, he said, would be formed in 90 days. In addition, a 17-member task force would be set up to help run it.
The prime minister said that government would only provide land while the rest would be done by private sector.
“We will collect data of katchi abadis from across Pakistan. Nobody has ever thought about katchi abadis. We will first locate katchi abadis and resettle them with all the facilities along with ownership rights,” he said.
The prime minister said that a pilot project would be launched in 60 Pakistani districts to register data about the demand for new housing.
The construction, he said, would begin after the completion of registration and evaluating the mortgage capacity of buyers.
National Financial Regulatory Body
“We never had any financing model. We are preparing a new regulatory body to help arrange financing for the houses. The National Financial Regulatory Body will be set up in 60 days.”
The prime minister said that the law ministry was preparing a legal framework to remove hurdles being faced by the construction industry. The framework will be ready in 60 days, he said.
Federal Government Employees Scheme
A new scheme, Prime Minister Khan announced, would be set up to build a housing colony for federal governments. The scheme would kick of on October 11.
“I have also called Punjab Housing Minister to discuss the issue for the province,” he said.
“Inshallah, our step by step process will begin from October 11. Our growth rate will accelerate and youth will get new jobs.”
He urged the nation to lift their morale, saying this difficult situation would be addressed soon.
“The reforms we are taking will start taking effect in six months. Pakistan is a rich country. It’s a gift of God.”