NPHP: Govt revises markup for housing finance

KARACHI: The government decreased the prices of the Tier-I housing scheme – including markup rates and subsidy payment period, used to finance housing units under the Naya Pakistan Housing and Development Authority (NAPHDA), announced by the State Bank of Pakistan.

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The revised rates, applicable immediately, aim to promote construction activities, the central bank further added. The revised pricing for Tier 1 are as follows;

  • 2 per cent for 1 – 5 years 
  • 4 per cent for year 6 to year 10
  • 5 per cent for year 11 to year 15

Afterwards, the rate of KIBOR plus 250 basis points will be charged. The loans with a maturity of more than 15 years will be priced using a bank pricing model.

Under the regulation for extending loans through Naya Pakistan Low-Cost Housing (NPLCH) under Kamyab Pakistan Program (KPP), the SBP removed the requirement of applicants of Tier 1 housing loans to be verified by Naya Pakistan Housing & Development Authority (NAPHDA) through NADRA, for being beneficiaries of Ehsaas.


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