State Bank of Pakistan - Housing Finance Review

State Bank of Pakistan

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Date Published 2014
Primary Author Infrastructure, Housing & SME Finance Department
Other Authors
Country Pakistan


Rapid urbanization in Pakistan has resulted in increasing the deficit of housing units. As per World Bank1 studies in year 2009, there was a backlog of 7.5 million housing units in Pakistan which is accumulating by 0.3 million per year. Studies indicate that most of the housing finance is arranged through personal sources. The formal financial sector caters to only one to two percent of all housing transactions in the country, whereas informal lending caters to 10-12 percent of such transactions.

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