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Affordable Housing Options in Pakistan: A Comprehensive Guide

Posted by malqiyet on March 6, 2023


Pakistan is one of the most populous countries in the world, with over 220 million people living in it. Unfortunately, a significant portion of the population does not have access to affordable housing, leading to a rise in slums and informal settlements. However, the government of Pakistan has recognized this issue and is taking steps to provide affordable housing options for its citizens. 

In this article, we will explore the different types of affordable housing options available in Pakistan, their features, benefits, and drawbacks. We will also answer some frequently asked questions about affordable housing in Pakistan to help you make an informed decision. 

Types of Affordable Housing Options in Pakistan: 

1.Low-Cost Housing Schemes :

The government of Pakistan has launched several low-cost housing schemes for low-income families. These schemes are aimed at providing affordable housing options to people who cannot afford to buy a house on their own. These schemes offer subsidized rates and easy payment plans, making it easier for people to own a house. 

2.Apartments :

Apartments are another affordable housing option in Pakistan. These are multi-storey buildings that consist of several units, ranging from one to four bedrooms. Apartments are ideal for people who want to live in the city but cannot afford to buy a house. They offer a convenient and secure lifestyle and are usually located in areas with easy access to public transport and amenities. 

3.Flats :

Flats are similar to apartments but are usually smaller in size and located in older buildings. They are an affordable option for people who want to live in the city center but cannot afford to buy a house or an apartment. Flats are usually rented out, and the rent is comparatively lower than that of apartments. 

4.Cooperative Housing Societies :

Cooperative housing societies are communities of people who pool their resources to buy land and build houses. Members of the society contribute to the cost of the land, and the houses are built collectively. This is a cost-effective way of owning a house, as the cost is shared among the members of the society. 

Benefits of Affordable Housing Options in Pakistan: 

  • Provides a safe and secure place to live 
  • Helps reduce poverty and inequality 
  • Increases social and economic mobility 
  • Improves physical and mental health 
  • Encourages community development and social cohesion 


Q. What is the eligibility criteria for low-cost housing schemes in Pakistan? 

A. The eligibility criteria vary from scheme to scheme. Generally, the applicant must be a Pakistani citizen, over 18 years of age, and have a certain income level. 

Q. Are apartments a good investment in Pakistan? 

A. Yes, apartments are a good investment in Pakistan, especially in cities where there is a high demand for housing. They offer a good rental yield and have a high resale value

Q. How can I apply for a cooperative housing society in Pakistan? 

A. You can apply for a cooperative housing society by contacting the society’s management or through a real estate agent. 


Affordable housing is a crucial issue in Pakistan, and the government is taking steps to address it. There are several affordable housing options available in Pakistan, ranging from low-cost housing schemes to cooperative housing societies. Each option has its own benefits and drawbacks, and it’s essential to choose the one that best suits your needs and budget. We hope this guide has provided you with useful information about affordable housing options in Pakistan and helps you make an informed decision. 


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