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Presented By: Jawad Aslam (CEO)

HOUSING FINANCE ISSUES FOR LOW INCOME GROUP. Presented By: Jawad Aslam (CEO). Contents. 1. 2. 3. 4. Context. Problems. Reasons. Solutions. CONTEXT. 1. Majority of the people live like this. CONTEXT. 1. We help them to live like this. Ansar Management Company- Ctd ….

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Presented By: Jawad Aslam (CEO)

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  1. HOUSING FINANCE ISSUES FOR LOW INCOME GROUP Presented By: JawadAslam(CEO)

  2. Contents 1 2 3 4 Context Problems Reasons Solutions

  3. CONTEXT 1 Majority of the people live like this

  4. CONTEXT 1 We help them to live like this

  5. Ansar Management Company- Ctd…

  6. PROBLEM – WHO NEEDS THE LOAN ? 2 Name: Mohammad Bashir Age: 33 years old Marital Status: Married Children: 5 Education: Middle Job Status: Self Employed - Laborer Monthly Income: PKR. 10,000/Month Asset: Bicycle / Motorcycle House Rented: PKR. 3,000/Month

  7. PROBLEM - WHO GETS THE LOAN 2 Name: Asad Ali Age: 38 years old Marital Status: Married Children: 4 Education: Electrical Engineering Job Status: Telecommunications Monthly Income: PKR. 100,000/Month Asset: Car House Rented: PKR. 25,000/Month

  8. THE REASONS 3 • Veracity of Title • Income Stream • Verification • Inconsistency • Default Risk • Cost of Recovery • Bad Press

  9. THE SOLUTIONS 4 • Create strategic partnerships between Affordable Housing Developers and Banks • One Location: Reduced cost of title verification and recoveries • Third Party Verification: Costs passed on to Developer • Securitized: Expenditure not speculative • Skin in the Game: Reasonable deposit by customer

  10. KEY ISSUES OF MOHAMMAD BASHIR • LTV (Loan to Value) • DBR (Debt Burden Ratio) • Pre-penalty fees • Income Source • Tenure • Interest Rates

  11. Thank You!

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