Circulars/Notifications / SME, Housing and Sustainable Finance Department  

 SH&SFD Circular Letter No. 01 of 2026
March 17, 2026

The Presidents/ Chief Executives
All Banks/HBFCL/MFBs

Dear Sir/Madam,

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance


    Please refer to SH&SFD Circular No. 03 of 2025 regarding the subject scheme.

2. Please be informed that the Government of Pakistan has made following changes in features of the subject scheme:

Parameter

Revised Feature

Size of Housing Unit

  • House of up to 10 Marla/2720 sq. ft
  • Flat of up to 1500 sq. ft.

Maximum Loan size

  • Up to PKR 10 Million

Customer/end user fixed pricing

  • Flat 5%*

                * To ensure uniformity, end user rate on loans already disbursed under the subject scheme at 8% will be adjusted to 5%.

3. Other features of the Scheme shall remain the same.

4. The Participating Financial Institutions (PFIs) are advised to take necessary measures for proper dissemination of revised     features of the scheme through their branch network and other means.


Yours sincerely,

Sd/-

(Najm-us-Saqib Shabbir)
Additional Director


 

       
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