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House Building Finance Company – HBFC

Bridging the Housing Gap: HBFC’s Role in Pakistan’s Housing Crisis

The housing gap in Pakistan is a pressing issue that affects a significant portion of the population. With a rising population, urbanization, and limited affordable housing options, there’s an urgent need to address this crisis. House Building Finance Company (HBFC) is playing a crucial role in bridging this gap and ensuring housing affordability for the people of Pakistan.

Understanding the Housing Gap Issue in Pakistan

The housing gap refers to the disparity between the demand for housing and the available supply of affordable and adequate housing options. In Pakistan, this gap is substantial due to various factors:

  1. Rapid Urbanization: As the population in urban areas continues to grow, the demand for housing has surged, surpassing the current supply.
  2. Population Growth: With a growing population, the need for new housing options increases, putting pressure on the housing market.
  3. Insufficient Affordable Housing: A lack of affordable housing options further exacerbates the housing gap, making it challenging for individuals and families to secure decent housing.

HBFC’s Strategies and Initiatives to Bridge the Housing Gap


  • Affordable Financing

HBFC is committed to offering affordable housing finance solutions to a wide spectrum of individuals within Pakistan and outside the country. This initiative is designed to empower people, regardless of location, to purchase or construct their homes at competitive interest rates.

For individuals residing within Pakistan, HBFC provides accessible housing finance options tailored to the local market conditions. This includes affordable mortgage plans, home construction loans, and housing rehabilitation financing. The aim is to facilitate homeownership for citizens living within the country, ensuring they have viable pathways to acquire suitable housing options.

Additionally, for Pakistanis residing abroad, HBFC extends its services to accommodate their unique needs. Through dedicated programs and partnerships, HBFC offers housing finance solutions customized to non-resident Pakistanis’ circumstances and requirements (NRPs). These solutions enable NRPs to invest in the real estate market back home, either for personal use or as a means of long-term investment.

By addressing the housing financing needs of residents and Pakistanis residing abroad, HBFC strives to contribute significantly towards bridging the housing gap in Pakistan and promoting homeownership for a broader spectrum of individuals, regardless of their geographical location.

  • Strategic Partnerships

House Building Finance Company (HBFC) recognizes the importance of strategic partnerships in addressing the housing gap by creating affordable housing projects and facilitating homeownership. Collaboration with various stakeholders, such as developers, builders, and institutions, is key to achieving this mission. These partnerships enhance accessibility to housing finance and contribute to the development of the real estate sector.

  • Capacity Building

HBFC focuses on educating and empowering potential homeowners, guiding them through home-buying, and providing financial literacy to improve their understanding of housing financing options.


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