Microfinance is one of the means for the poor and low-income people to enhance their standards of living and thus reduce poverty. Microfinance Institutions (MFIs) are organization credit union, down-scaled comm...
Uncategorized
Opportunities and challenges of mortgage financing in Pakistan. Among many other related issues, it discusses the impediments on the way of growth of mortgage, which are lack of developer home buyer financing ...
Uncategorized
Housing differs from the standard Neoclassical good; it is heterogeneous and its spatial fixity means that the location of the housing stock matters to households. Promoting the Concept of Housing Finance. Enco...
Uncategorized
Islamic housing finance. There are two basic Quranic concepts shaping modern Islamic finance: explicit prohibitions by God against riba and maysir. The Quran, the divine word of God, does not explain in detail....
Uncategorized
The reported average time for loan processing is 24 days for all banks and DFIs; a trend that has remained almost similar over the year. Currently, the application processing of most banks is a centralized proc...
Uncategorized
Khuda-ki-Basti is a grid-like, planned layout within the 5500-acre Gulshan-eShabbaz housing development located in Hyderabad. It is the site of a development scheme devised by the Hyderabad Development Authorit...
Uncategorized
An affordable housing scheme in Pakistan, titled “Khuda-ki-Basti, in the city of Hyderabad, Pakistan. In this scheme, the actual housing is built incrementally as individual incomes allow; the social transforma...
Uncategorized
An affordable housing scheme in Pakistan, titled “Khuda-ki-Basti, in the city of Hyderabad, Pakistan. This housing scheme was initiated by the former director general of the Hyderabad Development Authority (HDA...
Uncategorized
In March 1986, the HDA launched an Incremental Housing Scheme (IHS) in a portion of Gulshan-i-Shahbaz, a township which is being developed on the periphery of Hyderabad, Sind. The scheme aimed at overcoming the...
Uncategorized
House Building Finance Corporation (HBFC) was set up under the Government Act (titled “HBFC Act-1952”) as a public sector enterprise soon after Pakistan’s independence in 1947. Thus HBFC (the Corporation), est...
Uncategorized
REITs originated in United States in 1960. They were created by US Congress to make investments in large-scale, income-generating real estate accessible to small investors. The Congress envisaged REITs as entit...
Uncategorized
It is a presentation on mortgage-backed securitization (MBS), which globally is a very popular product. hopefully, HBFC’s proposed securitization will be the first MBS in the country. the proposed size o...
Uncategorized
The Nature of contract is a co-ownership. The transaction is not based on lending & borrowing of money but on the joint ownership of an asset. In Islamic Housing Finance, bank takes risk in property up to t...
Uncategorized
This presentation is based on Islamic housing financing. It describes various modes of Islamic financing like Murabaha, Ijarah, Istisna, and Diminishing Musharakah (Mostly used in banks for Islamic Housing Fina...
Uncategorized
The need and methods of developing sustainable formal rental housing market. It discusses the advantages of rental housing against homeownership, the availability and affordability across households with varyin...
Uncategorized
Affordable housing in Ahmedabad, India. In 2012, the estimated housing shortage in India was 18.78 million units. 88% of this shortage pertains to households with annual incomes of about Rs100,000 (USD 1,724) a...
Uncategorized
This document is detailing the state of housing and housing finance of Afghanistan. The document mentions how Afghanistan’s particular history had an effect on the urbanization and flow of population within th...
Uncategorized
This paper outlines the current situation in which financial institutions operate within the housing sector and the major issues that need to be addressed and make recommendations on positive movement towards t...
Uncategorized
Housing shortage in Pakistan has assumed an alarming proportion which requires a careful evaluation, assessment and well planed strategies to minimize housing backlog. Government has initiated practical steps i...
Uncategorized
Housing is a Provincial subject sine land is a Provincial Subject. Procurement and development of Land for development of housing under different modes including PPP Mode. Execution of Low-Income Housing Progra...
Uncategorized
On housing finance guidelines for proper regulations of financing by Infrastructure and Housing Finance Department of State Bank of Pakistan. A strong, well defined and prudent Regulatory regime has direct impa...