This is possible through “construction” finance and not “purchase” finance. In Pakistan nearly 90% of housing is built for ownership and not for investment (equity built up through mortgage is not common). Housing to become an investment avenue as opposed to plot. Today it is the reverse. Investment in housing is possible only if “rentals” match the “mortgage” payments. This is possible through increase in housing stock investment. Fiscal incentives on mortgage payments; and effective tenancy laws.