Regulatory Alerts2026-04-28 | SH&SFD Circular No. 02 of 2026Added · Updated
Facilitation in Implementation of Wazir-e-Azam's Apna Ghar Program-Ghar Ho Tu Apna
Banks and Housing Finance Companies must cap the total monthly debt burden ratio at 65% of the prospective borrower's net disposable income. Property assessments for values up to Rs. 5.0 million may be conducted using internal resources, while those above this threshold require valuation by a PBA-approved panel member. Credit approval processes must be completed within 15 working days from the receipt of a complete application, with relevant prudential regulations HF-3 and HF-7 relaxed to accommodate these requirements.