On study of market for affordable housing and finance in Pakistan. This study, carried out by AASA Consulting, was initiated through a research grant given by Citi Foundation to Acumen Fund Pakistan. Undertaken over a period of ten months, this Study, based on 582 questionnaires, backed up by focus group discussions, tries to assess, quantify and understand, factors which affect housing and housing finance demand for low income urban groups in Karachi, Lahore and Faisalabad. The main objectives of the Study were: (1) to better understand low-income customer demand for housing and housing finance products, (ii) determine the current supply of low cost housing finance, and (iii) what are the key barriers to supply of affordable housing finance.