Naya Pakistan Housing scheme
All of Pakistan’s cities have built top-of-the-line housing projects in order to deliver the best housing possibilities for its residents, including Bahria Town, DHA, Gulberg, Park View City, Blue World City, and the country’s first smart city, Capital Smart City. Similarly, the ruling administration has embraced Naya Pakistan’s goal to create cheap housing alternatives for the low middle and lower classes. Prime Minister Imran Khan’s Naya Pakistan Housing Program is an ambitious new housing development. The motive of this idea is to build 5 million residences for Pakistan’s lower-income earners. PM Imran Khan introduced the initiative in a ceremony on October 10, 2018, and it has sparked criticism since then.
The Naya Pakistan Housing Authority (NPHA) was established to offer all of the necessary approvals to development businesses so that construction on this housing programme can commence without delay. The government has established committees to examine and study the undeveloped land in Pakistan under its jurisdiction. These housing plans are proposed in those localities. By December 2018, the govt had completed the entire procedure, and the decision had been taken to begin construction of these residences in the corresponding cities.
- Rahim Yar Khan
- Dera Ghazi Khan
The government has organised a housing task force to meet the growing need for low-cost and affordable housing. The task force includes some of Pakistan’s most skilled housing industry experts, including developers, builders, and architects. Specialists in inexpensive housing and slum rehabilitation and 21 specialists in the property and home financing sectors make up the task team.
The Project’s Main Objective
The principal goal of the Housing Task Force (HTF) is to build a full-fledged housing body called Naya Pakistan Housing Authority. Under the direction of Pakistan’s Prime Minister, Mr Imran Khan, this Authority would be an autonomous, independent institution backed via a separate Board of Directors.
The Project’s Vision
The government created the Naya Pakistan Housing Scheme to address Pakistan’s housing deficit. The authorities will ensure that all of the elements required to make low cost housing a truth of the matter in Pakistan are made available.
The government would offer land to corporate building companies to build homes for the general people under the NPHA, and Naya Pakistan will operate on a durable government-private partnership model. The people will require to pay 10% of the total cost up front, with the remainder paid in 15 to 20 yrs in manageable instalments. The Naya Pakistan Housing Scheme would be a watershed moment in Pakistan’s economic development.
It would not only provide a tremendous opportunity for low-income people to purchase decent homes, but it will also offer stability and prosperity to inhabitants’ lives. The government will grant builders and contractors project loans to help them execute this housing job on schedule. The fundamental goal of this action is to lower the investment and deliver a low cost to the end customer.
The Capital Development Authority (CDA) has granted seven acres of land in Islamabad’s Mauve Area for this housing project. The board also approved the Federal Government Employees Housing Foundation (FGEHF), receiving 508 Kanal of property near Askari-VI only for Naya Pakistan.
The project’s initial phase began in seven Pakistani districts: Sukkur, Quetta, Gilgit, Muzaffarabad, Swat, Islamabad, and Faisalabad. NADRA now has responsibility for NPHP registration. To register your home in the NPHP, fill out the application form and send it to NADRA together with all necessary documents and the registration cost. The NADA is then in charge of confirming and evaluating the number of worthy candidates entitled to a home.
The National Database & Registration Authority (NADRA) has begun the registration procedure for the Naya Pakistan Housing Scheme’s Phase II. Phase 2 registrations have been open from July 15, 2019, and stayed open for the following three months.
Facilities and Amenities
The Naya Pakistan Housing Project offers a variety of amenities. The state has taken this measure to improve Pakistan’s living conditions and kick-start the residential housing sector. The project will provide the following essential services and facilities:
- A channel of Carpeted Roads
- Sewerage System in the Ground
- Availability of Water
- Sui Gas
- Underground Electricity
- Security System That Is 100% Effective
- Colleges and Universities
- Playing Fields
- Commercial Zones
- Community Center for Health and Fitness
The preceding is a few of the primary benefits of NPHS:
- The less fortunate in society will be able to purchase a tangible item on their own. In addition to offering refuge, the house will provide them with long-term income potential.
- It will create a sense of safety at home for individuals who had previously lived in fear. They would have a home to call home for the first time.
- Unlike traditional residential houses, this residential property is relatively inexpensive, and residents from all aspects of life may acquire it.
- This housing programme would also give them a perception of self-sufficiency in society.
- There is no risk of deception or scam with this investment. The direct engagement of the government assures the utmost level of safety.
If the financing costs surpass Rs.100 million, the latest recent financial accounts must be evaluated by an SBP-approved panel of auditors in the following manner.
Financing Amount Auditors Category
- In the range of Rs. 100 million to Rs. 500 million, Category ‘B’ applies.
- Amounts in excess of Rs. Five hundred million are classified as Category ‘A’.
Income Tax Evaluation Order/Acknowledged Copy of the Firm’s/Income Company’s Tax Returns for the previous three years. Furthermore, the property tax doesn’t really cover just your home. All fixed assets you own, such as any plot in your possession, a house, an office building, a farm, and so on, are included in the property. Bankers’ highly classified reports on financial credence of firm/company as well as its directors/sponsors
The housing regulations for each province are listed below.
Mian Mahmood Ur Rasheed, the Minister of Housing, has inaugurated Reduced cost Housing Projects in 8 locations Okara, Lodhran, Bahawalnagar, Faisalabad, Sialkot, Chistian, Chiniot, and Jhelum are among the cities where projects have been launched.
For the housing initiative, a land identification procedure has begun and a review of the acquisition process.
Sindh province is now working on a housing project.
Baluchistan and Gilgit/Baltistan
NPHP has yet to be created at the provincial level. FGEHF has, however, proposed a few housing projects.
FEGHF has started a housing project for government employees in Islamabad. In accordance with the Prime Minister’s judgement, the Federal Government Employees Housing Foundation (FGEHF) has launched an EOI from private events under the JV Policy, which was duly accepted by the Federal Government on October 12, 2018, to provide housing to the approximately 150,000 Federal Government Employees who have already registered with FGEHF.
Criteria for Eligibility:
Individuals who do not possess a home in Pakistan are given priority in this project. The project is designed to make the monthly payment comparable to or less of the rent charged in the same area. Each home unit will price between 15-20 lacs, with an amortisation period of 15-20 years or perhaps longer.
- Applicants must be inhabitants of the province in question. Priority will be given to residents in the affected district.
- There is no registration of a house or plot in the claimant’s name.
- In addition, the applicant must stay in the house for a period of five years.
- Candidates can apply through a government allocation designated for injured or killed government/police/army officers or through a handicapped quota reserved for the general population.
Fill out the registration form in English utilising capital letters and download it from the official website of the Naya Pakistan Housing Program. Put your identity CNIC number, mobile number, current address, total salary, and monthly instalment in the boxes provided. You can select your chosen district as well as the tehsil/town/union council in which you want to build your home. You will pay a registration fee of 250 PKR with the form. You can deposit this fee using your CNIC number as a reference. Using the following methods:
- Payment over the internet
- Easy Paisa
- Cash Jazz
- Debit/Credit Card
- E-Sahulat Center
For registration reasons, one must send the forms to the NPHP’s designated offices. The number of completed enrollment forms will be significant in determining the housing demand in that area.
To be contemplated for this project, you must:
- Complete out the Naya Pakistan Housing Scheme form correctly
- Include two passport-size photos.
- A photocopy of your CNIC / NICOP card should be attached.
- A non-refundable registration fee of Rs. 250/- must be paid.
- Fill out and submit the form.
You can enrol for the Naya Pakistan Housing Scheme in one of two ways:
- Online registration is available.
- Using NADRA’s E-Sahulat to register
Online Registration steps:
Step 1: Register for the Naya Pakistan Housing Scheme at https://nphp.nadra.gov.pk.
Step 2: Complete the guidelines and pay the Housing Scheme registration cost online.
Step 3: Finish the enrollment process by filling out the online form.
Step 4: Verify the receipt from the online registration. You will have the choice of printing or downloading the document, as well as having it emailed to your email address.
To pay and register, go to your nearby NADRA E-Sahulat franchise.
Step 1: The simplest method is to download and correctly fill out the Naya Pakistan Housing Scheme form pdf.
Step 2: Pay the registration cost at the E-Sahulat franchise.
Step 3: Return your completed paperwork to the E-Sahulat Franchise registration officer.
Step 4: Retrieve your application’s signed acknowledgement from the official.
Rules and Regulations
- This project is open to any Pakistani citizen.
- A person can only submit your NPHP registration once.
- The registration price is Rs. 250, which can be paid by credit/debit card or in person at any e-Sahulat office.
- One can fill the form online or at any NADRA e-Sahulat branch in your district after you’ve paid your registration fee.
- To apply, you must have a Computerized National Identity Card (CNIC)
- A family can only submit one application.
- Applicants who do not own a home in Pakistan will be given priority.
- Read the NPHP terms and conditions carefully and agree to them.
Low-Cost Housing Schemes are being launched in Pakistan by the Naya Pakistan Housing Program; for more information on low-cost housing societies, read about Blue World City, University Town, and ICHS Town.
The first phase of this low-cost residential project was exclusively available in Punjab’s interior, where 3 & 5 Marla dwellings were available on a very cheap instalment plan. Nadra has received applications for the Naya Pakistan Housing Scheme, and allotment results will be published via computerised balloting very shortly.
Housing units of the same size will be available in all of the project’s regions. The 3 Marla & 5 Marla residences will be offered as single or double-storey one or 2-bed houses or as dual storey 3 or 4 bedroom apartments.
Status of Development
All of the fundamental development work in the areas chosen for these housing plans has been done. However, the genuine construction of the houses will commence after the allotment procedure is completed.
The following are the housing unit rates as announced by the government:
- The cost of a 3-marla house is Rs 16.5-17.5 lac.
- The cost of a 5-marla house is between Rs 21 and Rs 23 lac.
With the completion of, the registration a refundable payment of PKR 10,000/- would be paid as token money. If your request is successful, the sum will be deducted from the 10% down payment following the balloting, or it’ll be refunded to you by the bank within 15 days.
Banks must offer home loan facilities with reasonable terms and circumstances that allow for payment to be made over a period of up to 20 years. So, if you’ve applied for this inexpensive housing project, be prepared to pay a 20% down fee as part of the Naya Pakistan Housing Scheme, with the bank covering the remaining 80% through the housing loan option. The owners of Naya Pakistan Housing Scheme instalment plans will have to pay an extra 10% markup. The government intends to use the rent equalisation strategy to keep the project accessible for low-income people.
Information About the Pilot Project
The Federal Government Employees Housing Foundation and the business sector will collaborate on the pilot initiative. Within the Naya Pakistan Housing Project, the government would build double-unit dwellings. As previously stated, the government would act as a facilitator for the initiative, while private companies will construct the units.
A Chinese corporation has expressed interest in building two million residences as part of the initiative. The great news is that with the Naya Pakistan Housing Program, the state has made it necessary for Chinese and other multinational corporations to use exclusively locally produced raw materials. Furthermore, no company will be permitted to hire workers from other countries.
Possession of Houses
Owners of housing units in NPHP will receive possession of their units within two years. On the other hand, property owners will not be permitted to sell their homes before five years, as this would defeat the project’s entire objective.
To make things even easier, the government is providing a loan facility to the general population. You can acquire a mortgage through home building finance businesses, Meezan Bank, and The Bank of Punjab.
To be approved for a loan, you must comply with these banks’ lending terms and conditions. In the following months, the registration procedure for the Naya Pakistan Housing Scheme Karachi & Naya Pakistan Housing Scheme Lahore will begin.
Most recent revision
Prime Minister Imran Khan today inaugurated the first phase of the Naya Pakistan Housing Program (NPHP) in Islamabad. The prime minister has approved approximately 1500 brand-new flats and residences for labourers. The groundbreaking ceremony for the NPHP’s phase 2 will take place concurrently with the first phase’s inauguration.
According to the most recent information, the NPHP housing complex for the working class consists of almost 1,000 flats & 500 houses. It extends 2560 Kanal and is reported to have cost PKR 5.08 billion to build. It is situated on Japan Road in Islamabad.
A new balloting mechanism for the working class is being planned. Approximately 3,000 labourers and employees have successfully applied to be included in the upcoming poll.
No government in the world can assign dwellings to the poor, Prime Minister Khan declared at the opening. Through our efforts, individuals will be able to afford homes more quickly. He stated that because labourers were previously paying rent, they would now utilise the money to pay down their mortgages. He did not specify how much labourers will be expected to pay.
Pakistan is, without a doubt, an overcrowded country with insufficient homes to accommodate its people. The demand surpasses ten million people, yet only five million residences are currently available. The PTI government’s Naya Pakistan Housing Project is appealing since it proposes to create 5 million residences for the lower & middle classes. If the plan is successful, there would be a lot of steadiness and progress. It is the world’s largest housing project proposed by any government. Although some may doubt the project’s financial plan, it is certainly feasible and ambitious. Responsible personal must recognise the tremendous need for housing and poverty in Pakistan, and this is an essential first step toward a better future.
If you’re seeking a place to live in Islamabad, Capital Smart City and Park View City Islamabad are two alternatives. You can easily read details about these projects on Estateland Marketing’s blog section.