Naya Pakistan Housing Scheme Loan and Payment Plane 2024

In Pakistan two-thirds of the country’s citizens are in the housing crisis. They live in mud homes due to low income and inconvenient circumstances of increasingly expensive. So, the Government of Pakistan decided to build of affordable housing sectors to fulfil the raising demand in Pakistan. This scheme was started in 2018 by the Ex-PM Imran Khan with the aim to construct 5 billion easy affording houses all over the Pakistan. It is a good scheme which is known as Naya Pakistan Housing Scheme. However it is a time taking plan and will be completed in many years.

A statute voted by the parliament on January 15, 2020 created the Naya Pakistan Housing & Development Authority (NAPHDA), a company. Register Yourself Now for the Sehat Insaf Card New Update all families are eligible.

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According to the Prime Minister of Pakistan’s vision, the Naya Pakistan Housing Program has been initiated with the goal of providing improved livelihood and shelter to low/middle income households. House construction has begun, with the end user’s functional requirements in mind.

Planning, creating, constructing, and managing real estate development projects, including housing, are all part of its mandate. The Authority, the government’s development arm, is engaged in both for-profit and nonprofit construction of housing and other infrastructure across the country.

The Pakistani Prime Minister is the patron of the Authority, which is located in the Cabinet Division of the Prime Minister’s Secretariat. The Policy Board now has eleven members, including individuals from the public and private sectors. The Prime Minister’s Secretariat in Islamabad is home to the Authority’s main office.

Headquarter of Naya Pakistan Housing Scheme:

The headquarter of the Authority’s are situated in Islamabad’s secretariat of Prime Minister.

Regional Offices of Naya Pakistan Housing Scheme:

Regional Offices have been built in the following cities such as Islamabad, Lahore and Karachi. Therefore, they  have a plan  to create Regional Offices in Peshawar, Quetta, and Multan.

 In order to safe mortgage loans and financing for the provision of economical housing to the low-income sector. The Authority will engage in technical research, surveys, discussions with banks and other financial organizations, and studies. The Authority may also start initiatives in the public interest, such as Term Finance Certificates, Bonds, Sukuk, and Real Estate Investment Trusts.

Inauguration of Naya Pakistan Projects

Collaboration with a variety of stakeholders, including the private sector, is required for the scheme’s execution in order to hasten development and increase the quantity of housing units. New Update about the 8171 Ehsaas Tracking Pass Gov PK Enroll Now.

Features of Naya Pakistan Housing Scheme:

Some main features of the scheme are given below.

Economical Housing Sector:

The scheme is based on to provide well designed, standardized, safe and comfortable living with the financial approach of low income citizens.

Subsidized Loans and Financing:

In order to make it simpler for people to buy their own homes, the government offers subsidized loans and financing choices. These loans ease the financial load on homebuyers by offering reduced interest rates and flexible payback schedules.

Incentives Facilities:

Government incentives are provided to developers and investors to encourage their involvement in housing projects. These advantages include tax cuts, less regulations, and privileged access to land. Such actions speed up the construction process and stimulate private sector Construction Technology and Innovation:

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The Naya Pakistan Housing Scheme encourages the use of contemporary construction technologies and innovation to simplify the development process and save prices. To speed up the development of housing units, this comprises prefabrication, modular construction, and alternative building materials.

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Friendly Environment Preservation:

Naya Pakistan Housing Scheme is promoting environmental friendly practises. By using friendly building material it offers to use the renewable energy sources. Its aim is to lesser the home owner’s long term operating expense and help in environmental preservation.

Transparency in procedure:

The plan places a strong emphasis on the allocation of dwelling units in a transparent manner. To guarantee that worthy individuals have an equitable opportunity to benefit from the program, a fair and effective mechanism is put in place. This assists in avoiding favoritism and corruption throughout the allocation procedure.

Eligibility requirements:

  • The scheme is eligible for the persons both genders having CNIC.
  • The applicant should be 25-60 years old when he/she applying.
  • The persons who are buying home first time.
  • The applicant must be belong to Punjab.
  • The applicant should not have a property registration.
  • Residents of the affected district would be preferable.
  • The applicant have to stay in the home for 5 years before selling it.
  • The applicant may only get a subsidized home finance once.
  • The applicant’s minimum income should be 25,000. 

How to Apply for NPHS?

For registering in the Naya Pakistan Housing Scheme many people have no awareness about. Here is a guideline for them. Following documents are required.

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  • Copy of a current CNIC, a bank statement, and an employment letter are required with the Formal Business Application (blue).
  • Pink Informal Income Application Form
  • Salary Application Form (Green)
  • Formal Business Application in Urdu (Blue)
  • Form for Informal Income Person in Urdu
  • Application for Salaried in Urdu (Green)
  • Important Data

Online Registration:

  • Visit the official website.
  • Choose the specific application portal.
  • Providing the necessary details such as names, contact number and the other required information.
  • Filled the application form available on the website.
  • Submit correct information.
  • The application form is in parts related to personal information, income details and other required information.
  • Proof or identity, income sheet residential address and other documents required to verify your eligibility and to approve your application.
  • When you filled the form collect the documents and submit your application on the website.

How you will be informed about your NPHS application?

  • If you have mentioned your E-mail address they may send notification about your application. You have to check your e-mail daily.
  • Naya Pakistan Housing Scheme can use also text messages so keep your phone accessible.
  • The scheme can send official co-related via postal mail like letters, documents etc.
  • You can also contact the helpline for inquiring the status of your application.


The Naya Pakistan dwelling Scheme had the objective of building five million dwelling units over the course of five years for low-income families in Pakistan. Despite difficulties with execution and a lack of current data, the program’s goals were to raise standards of living, lessen poverty, and support economic stability. Consult the most recent information from official government sources.

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Frequently Asked Questions

To those who qualify, the program offers a range of financial support choices. These might include getting access to low-interest loans, mortgages, and financial aid for building or purchasing.

Depending on the particular project or stage of the program the application process may change. For information on how and where to apply, it is advised to contact the relevant government agencies or look at the Naya Pakistan Housing Scheme’s official website.

Can Pakistanis living abroad use the NPHP’s house loan facility? All Pakistani citizens living inside or outside the country who have a good credit history are eligible for loans.