Pakistan Housing Finance: Is There a Business Case for Financial Institutions?

Despite growing housing needs in Pakistan, the current housing deficit stands at 10+ million units with about half in urban areas and is expected to grow by approximately 400,000 units per year. Households in the country face many challenges in terms of income, documentation, and property ownership that affect their access to housing finance.

This study assesses the potential market and segmentation for housing finance needs in Pakistan. It also demonstrates and quantifies the business case for financial institutions for expanding into housing finance across different income and geographic segments.