Pakistan is facing one of its biggest real estate challenges—and opportunities—of this decade. With a population exceeding 240 million, the country currently suffers from a housing shortage of over 12 million homes. This gap is widening every year due to rapid urbanization, rising construction costs, and limited access to affordable housing finance.
For homebuyers who cannot afford to buy on cash, and for investors looking for long-term, secure returns, this housing crisis has created a powerful demand-driven market.
Why Most Pakistanis Cannot Buy Homes on Cash
The reality is simple:
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Property prices have increased rapidly
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Salaries and incomes have not grown at the same pace
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Bank mortgage facilities are limited and expensive
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Middle-income and salaried individuals are underserved
As a result, millions of families are forced to rent, even though they are capable of paying monthly installments equal to or less than rent.
Installment-Based Housing: The Real Solution
The future of real estate in Pakistan lies in:
✅ Apartments on installments
✅ Houses on easy payment plans
✅ Villas and affordable housing projects
✅ Long-term installment options (1–3 years)
Installment-based properties allow:
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First-time buyers to own a home
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Salaried professionals to plan finances safely
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Overseas Pakistanis to invest without large upfront payments
Government Initiatives: A Step in the Right Direction
The Punjab Government’s “Apni Chhat Apna Ghar” Scheme, launched under the leadership of Chief Minister Maryam Nawaz, is a positive and much-needed initiative for low-income groups. The program aims to provide affordable home loans with easy monthly installments, helping thousands of families achieve homeownership.
However, more needs to be done—especially for:
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Middle-income families
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Salaried professionals
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Overseas Pakistanis
The Role of Authorities, Developers & Housing Societies
To truly overcome Pakistan’s housing shortage, collaboration is essential.
Government Authorities
Organizations like CDA, DHA, FGEHA, and PHA should:
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Facilitate faster approvals
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Encourage low-cost housing development
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Support installment-based housing models
Private Housing Societies
Renowned developers such as Bahria Town, Faisal Town, Capital Smart City, Multi Gardens, and others should:
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Allocate quotas for low and middle-income housing
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Construct ready homes, not just plots
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Offer installment plans with minimal markup
Banks & Financial Institutions Must Step Forward
Banks and financial institutions play a critical role. To unlock real housing growth, they must:
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Offer soft housing loans
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Reduce markup rates
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Simplify loan approval processes
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Support construction financing for installment homes
Affordable financing is the backbone of sustainable housing.
A Huge Opportunity for Investors
Pakistan’s housing shortage is not just a crisis—it is a massive opportunity.
Investors who focus on:
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Affordable apartments
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Installment-based houses
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Rental-friendly properties near cities
will benefit from:
📈 High demand
📈 Stable rental income
📈 Long-term capital appreciation
Demand is real, consistent, and growing.
Ghandhara Estate’s Commitment
At Ghandhara Estate, we believe that homeownership should not be limited to cash buyers only.
We proudly offer:
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✔ Verified houses, apartments & villas
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✔ Cash & easy installment options
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✔ Approved housing societies only
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✔ Transparent and trusted dealings
We serve:
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End users
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First-time buyers
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Salaried professionals
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Overseas Pakistanis
Looking to Buy a Home on Installments?
If you are:
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Tired of paying rent
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Unable to buy on cash
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Looking for safe installment options
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Planning to invest smartly
👉 We are here to help.
📞 Contact Ghandhara Estate Today
Phone / WhatsApp: +92-300-9568645
Location: Islamabad & Rawalpindi
Let’s work together to turn Pakistan’s housing challenge into an opportunity—for buyers, investors, and the nation.