The aim of this paper is to analyze the perception of common people while availing of loan facilities under Naya Pakistan Housing Development Authority.

A sample size of 200 families was taken to conduct the interviews of consumers who are willing to take the advantage of this NAYA Pakistan housing scheme. Convenience sampling was used as a sampling technique.

A large number of people showed interest in borrowing under this newly launched scheme. But the survey showed a couple of problems/ reservations from consumers’ perceptions regarding the validation of this scheme. Some respondents showed dissatisfaction with the banking staff as there was little knowledge about this scheme others might worry about the bank processing fees what if their loan for house financing was not approved, all would go into the vein. Some people might have addressed the uncertainties between the non-alignment of the federal and provincial government and other state departments on one page as they might have seen in the past.

It is concluded that the government has announced this scheme despite the contraction in demand and uncertainty created by the recent resurgence of the Covid-19 pandemic. Since this scheme is new and there are bunch of questions regarding its success. Sustainability, security, convenience, quality housing scheme is very import for affordable housing. A lot more partners such as builders, constructors, NGO’s also required to produce units in bunch of quantity.