Implement Policy Framework to Build Five Million Houses

Imran Khan and his team from PTI (Pakistan Tehreek-e-Insaf) promised us:

PTI will play the role of an enabler and facilitator, but not developer, to build 5 million low-cost housing units. We will ensure the development of 1.5 to 2 million urban and 3 to 3.5 million rural housing units.

Pakistan is currently facing an overall housing backlog of between 11-12 million housing units. The urban housing shortage is estimated to be 4 million housing units, while the rural backlog is between 7 to 8 million housing units. The people at the Bottom-of-Pyramid largely live in illegal habitat, squatter settlements, and slums (Katchi Abadis); while low-income segments live in indecent housing. On the housing finance side, the situation is disappointing as we stand at the bottom in terms of Mortgage Debt to GDP Ratio when compared to the region. Further to this, there is no framework in place which incentivizes allied industries to facilitate the development of our housing market.

In order to implement our Housing policy we will:

Implement a policy framework to build housing units for the low and lower-middle income segments only.
Provide fiscal and regulatory incentives to resolve demand and supply side issues of low-income housing; which will also include incentives for allied industries.
Strengthen the role of academia, specialized housing finance companies, building control authorities and Association of Builders and Developers of Pakistan.
Introduce slums rehabilitation and resettlement programme to ensure decent habitat.
Discourage sprawling and shift towards high rise buildings without compromising on environmental standards.
Provide incentives to households including partial tax offsets against income on interest and debt payments.
Rationalise “Services Tax” levied on developers on low-cost housing development.
Allocate housing units to Persons with Disabilities (PwDs).
You can read these promises in the complete manifesto document released by PTI available HERE in English and HERE in Urdu. Find below the expert`s analysis on the progress of above promise :


Each life is made up of mistakes and learning, waiting and growing, practicing patience and being persistent.