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House Building Finance Company – HBFC

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Blogs

Khyber Pakhtunkhwa Housing Structure Shows Distinct Rural Urban Patterns

Khyber Pakhtunkhwa presents a unique demographic landscape with a population of 40.86 million and a density of 401.57 persons per square kilometer. The province’s distinctive feature is its predominantly rural character, with only 15.01% urban population – significantly lower than other provinces.

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Balochistan Housing Market Faces Development and Access Barriers

Balochistan presents a unique demographic landscape with a population of 14.89 million spread across Pakistan’s largest province by area, resulting in a sparse population density of 42.9 persons per square kilometer. The province shows distinct urbanization patterns with 30.96% urban population, growing at a remarkable annual rate of 5.19% compared.

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Decoding Punjab Housing Market Dynamics and Affordability Patterns

Punjab faces significant housing challenges driven by its substantial population of 127.7 million and a high population density of 621.83 persons per square kilometer. The province’s annual growth rate of 2.53% is intensified in urban areas, which are expanding at 4.24% – nearly triple the rural growth rate of 1.46%.

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Monthly Payments Matter more than Interest Rates for Housing Affordability

The article emphasizes that housing affordability is primarily determined by a household’s ability to make manageable monthly payments, rather than just the interest rates. It argues that interest rates are less significant compared to ensuring monthly payments are within a family’s income capacity, especially in markets like Pakistan where income levels are low.

Monthly Payments Matter more than Interest Rates for Housing Affordability Read More »

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