GharHo

Click here to fill the Inquiry Form then you will be added to the waitlist and our Housing Finance Specialists will reach out to you for the next steps.

“Transforming lives through low-cost housing finance.”

Lean Operational Model

Market differentiating agency based social development model, partnering with existing MFI’s & Business Process Outsourcing vendors that have decades of entrenched social networks and experience of working in local markets.

Risk Management

Our strength lies in our risk mitigation. Our proprietary scoring model is based on best practices observed from other countries with large informal economies and developing home lending market. We are the first specialised private lending institution in Pakistan to cater to the very low-income and informal employment customer mass market.

Partner Eco System

We are looking to create meaningful partnerships with suppliers which will facilitate the provision of affordable, high quality homes following Green Building Standards, Solar Energy, Water treatment and Waste Management Services to our customers.

Our Product Offering

GharHo is committed to provide Islamic home financing accessibility across Pakistan and make their dreams of owning a home a reality. Our product caters to all 3 different home financing segments i.e Upfront purchase of a house/flat, Renovation of a property already in livable condition and for Plot purchase and construction on it or just construction on your owned property. GharHo is based on Islamic Finance principles of Diminishing Musharakah (joint ownership).Special Product Features:

Shariah Compliant Product.
Financing Limit: PKR 500,000 (5 Lakhs) till PKR 30,000,000 (3 Crores).
Balloon Payments and Full repayment allowed after completing 1 Year.
Ability to add Co-borrower(s).
Financing can be used to purchase a property for investment purposes (i.e. You can rent out the property)

Learn more about our product GharHo

Mera Pakistan Mera Ghar (MPMG) is an initiative by the government of Pakistan to promote low-cost housing in Pakistan by offering subsidized financing through the State Bank of Pakistan’s (SBP) Government Mark-up Subsidy Scheme (G-MSS).

You can obtain access to the MPMG program through GharHo. We have multiple Banks and Microfinance Institutions that we have partnered and by applying through us, you have the best chance of obtaining the best possible product for your needs.
Know more about Mera Pakistan Mera Ghar

A Unique Social Impact Investment

We see GharHo social impact beyond simple home financing solutions. We believe that providing access to housing helps pull customers out of poverty and transforms their lives for the better.