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A Study on the House Financing Facilities by Banks Compared with HBFC

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  • Haider, Syed Ali Hasnain

Abstract

From the beginning of this world man has three basic needs i.e. food, clothing and shelter. In the modern world, it doesn’t matter that you belong to which class of society, everyman has a desire for his own house where he/she could live safely with his/her family. Therefore, the demand for houses has always been there and will remain as long as there are human beings on this planet. Housing and development of any country are synonymous to each other as these are mutually supportive. Housing is an important part of strategy of any government for the alleviation of poverty and employment generation and is to be viewed as an integral part of overall improvement and economic development as fifty allied industries such as cement, iron and steel, aluminum, paints, sanitary, carpets, stone crushing etc. depends on this industry alone. Almost all countries of the world have private and public sectors housing development and finance organization which have mobilized enormous personal factors resources and are contributing frequently to the national economy. The housing sector requirements and the subjective conditions in Pakistan clearly establish that there is a dire need for such organizations to supplement the present efforts of the government. Pakistan housing finance sector is highly underdeveloped. In the developed countries on an average housing finance represent over 25% of GDP (Journal of The Institute of Bankers Pakistan) which is quite high as compared to under developing countries.

Suggested Citation

  • Haider, Syed Ali Hasnain, 2006. "A Study on the House Financing Facilities by Banks Compared with HBFC," MPRA Paper 116399, University Library of Munich, Germany, revised 06 Dec 2022.
    • Handle: RePEc:pra:mprapa:116399
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    References listed on IDEAS

    as
    1. Ahmad, Mashood & Ali, Syed Babar, 2008. "Technical Analysis in the Stock Markets of Pakistan: A Case of Commercial Banks," MPRA Paper 64521, University Library of Munich, Germany.
    2. M.Usman Aleem & Marria Purwani & Usman Ali & Syed Babar Ali 5 & Naeem Bhojani, 2018. "Power Of Training And Development On Employee Retention In Pharmaceutical Organization," IBT Journal of Business Studies (JBS), Ilma University, Faculty of Management Science, vol. 14(2), pages 148-157.
    3. Hussain, Zahir & Ali, Syed Babar, 2009. "Implementation of Operational Risk Regime: A Case of Commercial Banks in Pakistan," MPRA Paper 64469, University Library of Munich, Germany.
    4. Syed Babar Ali & Manzoor A.Khalidi, 2020. "Valuation of Equity Securities, Private Firms, and Startups," IBT Journal of Business Studies (JBS), Ilma University, Faculty of Management Science, vol. 16(1), pages 125-140.
    5. Zia Ullah & Mohammed Ali Bait Ali Sulaiman & Syed Babar Ali & Naveed Ahmad & Miklas Scholz & Heesup Han, 2021. "The Effect of Work Safety on Organizational Social Sustainability Improvement in the Healthcare Sector: The Case of a Public Sector Hospital in Pakistan," IJERPH, MDPI, vol. 18(12), pages 1-18, June.
    6. Rizvi, Aoun & Ali, Syed Babar, 2011. "Risk Taking Behavior of Investors of Pakistan," MPRA Paper 64342, University Library of Munich, Germany.
    7. M.Usman Aleem & Marria Purwani & Usman Ali & Syed Babar Ali 5 & Naeem Bhojani, 2018. "Power Of Training And Development On Employee Retention In Pharmaceutical Organization," IBT Journal of Business Studies (JBS), Ilma University, Faculty of Management Science, vol. 14(2), pages 14-12.
    8. Ahmad, Baseer & Ali, Syed Babar, 2012. "Do Individual Investors in Pakistan Prefer Dividends?," MPRA Paper 64205, University Library of Munich, Germany.
    9. Ali, Syed Babar, 2012. "Corporate Governance and Accounting Practices in Pakistan," MPRA Paper 64713, University Library of Munich, Germany.
    10. Ali Zaidi, Syed Najaf & Ali, Syed Babar, 2006. "Risk and Scope of Debit Check Card in Competitive Market of Pakistan," MPRA Paper 64456, University Library of Munich, Germany.
    11. Syed Babar Ali & Manzoor A.Khalidi, 2020. "Valuation of Equity Securities, Private Firms, and Startups," IBT Journal of Business Studies (JBS), Ilma University, Faculty of Management Science, vol. 16(1), pages 16-19.
    12. Ali, Madiha & Ali, Syed Babar, 2014. "The Impact of Working Capital Management on Firm Profitability and Fixed Investment in Pakistan," MPRA Paper 64520, University Library of Munich, Germany.
    13. Umair Baig & Dr. Muhammad Arsalan Hashmi & Syed Babar Ali & Dr. Saba Zehara, 2020. "Exploratory Sequential Mixed Methods In Doctorate Research: Extended Application Of Constructivist Grounded Theory," IBT Journal of Business Studies (JBS), Ilma University, Faculty of Management Science, vol. 16(2), pages 47-65.
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    More about this item

    Keywords

    House Financing; Commercial bank;

    JEL classification:

    • G0 - Financial Economics - - General
    • G2 - Financial Economics - - Financial Institutions and Services
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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