30/04/2026
The State Bank of Pakistan has unveiled a series of major reforms aimed at boosting housing finance and improving access to affordable loans across the country.
The move is part of broader efforts to streamline lending procedures and support homeownership, particularly for low- and middle-income groups.
Under the new policy measures, the central bank has directed all commercial banks and house building finance companies to process housing loan applications within a maximum of 15 working days. This step is intended to eliminate unnecessary delays and make the approval process faster, more transparent, and user-friendly.
The revised framework also introduces a debt burden limit of 65 percent for borrowers. Lenders have been instructed to prioritize applicants’ household income as the primary criterion for loan approval, ensuring that repayment obligations remain manageable and reducing the risk of financial stress.
In addition, the State Bank has implemented updated property valuation requirements. For properties valued up to Rs5 million in Karachi, internal valuation by banks will be permitted. However, for properties exceeding this threshold, an evaluation report from an approved independent valuer will be mandatory.
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