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Naya Pakistan Housing Program – Unfolding


Here you are getting all that so far has been unfolding so far about the project.


Prime minister has announced NAYA PAKISTAN HOUSING PROGRAM within 100 days as promised in #100DaysAgenda


Before that:  Here is what PM Nawaz Sharif’s Apna Ghar Program

  1. Program: Naya Pakistan Housing Program

Two categories of Authorities to carry out the Program

  • Naya Pakistan Housing (NPH) Authority (at Federal & Provincial Level)
  • Apna Ghar (AG) Authority (at Federal & Provincial Level)
  1. Distinct Scope of Authorities:
  • NPH Authority to create and regulate an enabling environment for the Private Developers.
  • AG Authority to regulate Land delivery, Utility services provision, Planning & Design approvals & Units delivery.
  1. House Financing Share:
  • Home Owner: 20% (During Construction)
  • Mortgage: 80% (payback period 15-20 years)
  1. Housing Types to be financed:
    • Stand-alone Home
    • Units in Ground + 3
    • Units in Mid-rise apartments
    • Units in High-rise apartments
    • Addition to Existing Homes
    • Self-Construction
  2. Support to Private Developers:
    • Land on instalments to Developer (Land cost & title will transfer to the Homeowners – See explanation below)
    • Financing for developers to start construction
    • 20% down payment to Developers from Homeowners
    • The interest rate on loans to Developer to remain applicable until his handing over of the units. Longer he delays handing over the more he will pay.
    • Explanation on Land: Apna Ghar Authority will have lands in its own name from other Govt agencies. For every land parcel where Developer or Owner secures the Loan from Bank, Land ownership will transfer to that bank. Bank will collect instalments from the Developers/Owners. After all outstanding instalments are paid to the bank, then the bank will transfer the land ownership to the developer or the owner. 
  3. Prospective Home Owners:                                                                                                                                                                                                                                        NADRA to collect & Analyze the Data based on the:
    • Employment status/Type
    • Family Size
    • Current Residence
    • Total Family Income (Father, Mother, Children)
    • Monthly Installment preference (5-10, 10-15 or 15-20 thousand)
    • Desired Location ( Town/UC level)

This information analysis will dictate the Location, size and type of housing.


  1. To increase affordability, AG Authority will take steps:
    • To increase the buying power of the prospective homeowners by providing loans of longer tenure fifteen to twenty years.
    • To reduce the cost by standardizing design and specifications.
    • To reduce the cost by significantly cutting down the approval time.
    • To develop new communities with access to infrastructure.
    • Reduce the upfront cost of builders by providing them land in instalments.
    • To provide infrastructure before the start of construction.
    • To provide project loans to builders to complete the housing project in the shortest possible time.
  2. Financial Sector & mortgage provision:
    • National Financial Regulatory Body for Housing Loans
    • Commercial Banks to fix 5% of their Loan portfolio for Housing Loans (Total Advances/Loans by June 2017: Rs 6174.9 Billion – Table 6)
    • A secondary financial market, Remortgage financing, to be established
    • The banks would be allowed to park funds parked in the housing industry with the remortgage companies on the creation of secondary finance market.
    • Pension Funds, Zakat Funds, Provident Funds, Funds at the disposal of insurance companies, EOBI, Social Security institutions to back up the commercial banks.
  3. Process Flow for the NPH Program:
    • Apna Ghar Authority to verify all lands available and develop a Landbank
    • AGA to bring all lands in its own ownership
    • Based on the Data collected & analyzed through registration or market research, AGA to plan about the Housing needs in terms of Size, type, location etc.
    • AGA to provide all utilities before opening up the Land parcel for development.
    • Private developers to participate in a reverse auction (Developers to bid for the selling price).
    • First come first serve basis for the homeownership.
    • Builders to use own resources (own funds or Loans) to build units.
    • Homeowners to pay 20% during the construction stage. Remaining 80% to be financed by a mortgage.
    • Land price and title to go to the homeowner. (see explanation above in 5)


I will update this blog as and when there is new info available.


1st October 2018: I tweeted the few important contours for the Housing project.

I believe these are few of the important things we need to have in place to not fail in this National Project. This will give us an efficient construction industry and seamless progress on this project.

I have reproduced it below.


A statuary authority created by the Federal Govt to meet the housing challenges of the country.

My proposal on the non-financial & Technical contours of the proposed authority in order to effectively challenge the housing crises in an efficient manner.

1. The authority shall register & maintain:

  1. The Lands available for the National Housing Project.
  2. Land parcel from amongst the Lands registered above and land parcels shall be made available for the housing development on a 99 years lease. The ownership of the Land shall remain with the authority.
  3. The Development plans on the above land parcels after due approval of the concept design and construction impact by this Authority.
  4. Authority to write to and cause to provide all utility services at the development boundary for connection.
  5. Qualified Architects/Town Planner to work on the projects approved by the authority
  6. Qualified Engineering consultant to work on the projects approved by the authority
  7. Qualified surveyors to work on the projects approved by the authority
  8. Qualified safety professionals to work on the projects approved by the authority
  9. Qualified suppliers to provide materials for works on the projects approved by the authority
  10. All types of Designs
  11. Estate/Facilities Management contractors to look after the estates developed under this Authority.
  12. Authority to ensure the conformity of the built units per design
  13. Authority to register the ownership and transfer/sale deeds

2. On construction, the authority can follow two models:

  • Design & Build by Authority: – Authority Engage consultants and Contractors
  • Design & Build by Developers:- Authority can open the land parcels for the private developers to bid. The winner can engage all consultants and contractors to build & sell the units.

3. Type of Housing Units:

  • Ownership lease: The developer (Authority or Private developer) can sell the housing unit on 99 years lease without charging land cost (or charging land cost but such costs to be refundable to the last owner at the expiry of 99-year lease). The units can be transferred in inheritance or can be sold for the remaining period of 99 years lease.
  • Rental lease: The developer (Authority or Private developer) can put the housing unit on rent for medium to long terms ( say from 3 to 20 years or so) where developer charge only annual/monthly rental charges.

4. Type of Unit Types:

  • All projects under this project should be multi-storey apartments
  • There should be a variety of apartments types based on the apartment size and number of rooms to match the family size & affordability


(It’s just my Proposal on the basic technical contours of the authority –  @Yasirmcheema)



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Yasir Cheema

Yasir Cheema is a Civil Engineer by training and currently working as Resident Engineer for Surbana Jurong Pte. Ltd. in Singapore. He writes at this portal about Governance, Public policy, Institutional development, Construction practices, and procedures.

2 comments so far

Kamran AzizPosted on 10:55 pm - Oct 11, 2018

Highly Commendable writing..

Adeel MumtazPosted on 6:02 am - Oct 13, 2018

Salam Adeel Mumtaz here wanted to meet you 03214558989

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