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Daily Times May 24, 2021 Buying or owning a home is an emotional decision, and is a dream come true particularly for middle and lower income families, as home ownership can greatly improve living standards for them and provide necessary safety and security. Housing is an integral and vibrant part of any economy and it acts as a stimuli for growth by creating jobs and attracting investment through extensive and inclusive value chain. Not only in Pakistan but governments across the globe are aggressively working on promoting Housing and Construction sector due to it’s far-reaching social and economic influence. Various  housing  sector  surveys  reveal  that   currently  Pakistan  is   facing   a housing backlog of almost 10 million units; 4 million of which is in urban areas alone. This backlog is increasing at a rate of 0.7 million units every year and thus shortage is expected to grow over 13 million by 2025. According to State Bank of Pakistan (“

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