Encourages short term holdings in long-term assets. Encourages property development and divestiture before properties have matured, or before they have started to generate income. Long-term investors are disuad...
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Pakistan real estate market (REM), which has taken an exponential plunge in the wake of the economic recession driving the investor sentiment to all-time lows. However, where the world has failed in providing o...
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Urban development continues to be the most neglected sector in Karachi, the largest cities of Pakistan. Many cities in other parts of the world, even much smaller in size and population than Karachi, have alrea...
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The purpose of a Housing Observatory is to provide a complete, reliable and objective description of the housing sector in a country from the demand and supply of housing, to the quality and use of the existing...
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It is a housing scheme for poor, needy and low income shelterless people who would be given plots in these schemes on very low prices. The government was providing plots at little or no cost and heavily subsidi...
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An insurance policy designed to protect the Mortgagee (lender) from any default by Mortgagor (borrower). Used commonly in loans with a Loan-to-value over 80%, and employed in the event of foreclosure and reposs...
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“Enclude and Foresight” research presenting a proposal for Technical Assistance Services for Conducting Diagnostic Survey for Housing Finance for the State Bank of Pakistan (SBP). Enclude is recognized as a lea...
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Infrastructure project financing by Banking Policy Department State Bank of Pakistan. The guidelines are for facilitating banks/DFIs to undertake Infrastructure Projects Financing (IPF), SBP has formulated guid...
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Infrastructure project financing of August 2010 by Infrastructure & Housing Finance Department of State Bank Of Pakistan. Infrastructure is the mainstay of a country’s economy and infrastructure assets such...
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Shelter is one of the important human needs that have multiple effects on the society and economy. It can be witnessed through the fact that during the period of recession, developed countries boosted their eco...
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The issue of short supply of housing in the formal sector is due to many factors which are due to no linkage between urban planning, housing and poverty alleviation, non-availability of serviced land, developer...
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Social venture fund that invests in nonprofits and socially directed for profits distributing vital products and services to the poor through scalable, market oriented approaches. About housing the urban poor, ...
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Housing finance represents approximately 18% of total consumer financing in Pakistan. With outstanding (net of NPLs) at Rs.73.60 billion as on September 30, 2008, the housing finance sector has reported a growt...
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This presentation is based on the study of loan servicing of HBFCL’s default management & recovery practices. It covers various issues in three parts, in Part A it is loan servicing & default management...
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Urban population is nearly one-third of the total population and increasing. Likely to reach 50% by 2030-40. With changing socio-economic norms, household size will shrink from 6.6 to lower levels, leading to m...
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The Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) became operational in March 2011. Central registry helps to reduce frauds arising from multiple lending by dif...
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Introducing sustainability elements in low income housing. It covers large activities of developers who were uninterested as different business model; many small developers were interested, but were concerned a...
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On-going population growth and increasing urbanization are creating major development problems in relation to provision of urban services and planned housing in large cities of the state. While urban population...
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The affordable housing policy of Rajasthan, India in 2009. The presentation covers various housing scenarios, the agencies that are providing affordable housing in the states, the highlights of the Policy citie...
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The interesting point, however, is that the growth has stemmed mainly from the aggressive lending drive of Islamic banks. Islamic banks’ outstanding financing witnessed a whopping rise of 32 percent over the pr...
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Household have been found to be higher in high income bracket. Average household size across Pakistan is 6.9 persons per household. The highest have been found to be 11.1 persons in highest income bracket of mo...