Presenter: Scott Weller Director of Finance Ansaar Management Company Lahore, Pakistan 30 January,...
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Transcript of Presenter: Scott Weller Director of Finance Ansaar Management Company Lahore, Pakistan 30 January,...
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Presenter: Scott WellerDirector of Finance
Ansaar Management CompanyLahore, Pakistan
30 January, 2012
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Agenda
1. Housing Market in Pakistan
2. Mortgage Financing in Pakistan
3. AMC’s Model for Housing
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Housing in Pakistan
37% URBAN POPULATION (% TOTAL)
6M – 8M ESTIMATED HOUSING SHORTAGE (# UNITS)
1 MORTGAGE PROVIDERS TARGETING LOW-INCOME SEGMENTS
Source: World Bank
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Housing Debt (% GDP) - 2008
Source: World Bank 2008
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Housing Debt (% GDP) - Pakistan
Source: State Bank of Pakistan; World Bank
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Market Share of Housing Finance Providers
HBFC21%
Source: State Bank of Pakistan March 2011
HBFC75%
… by PORTFOLIO
… by BORROWERS
PrivateBanks49%
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Active Housing Developments: Lahore
Source: Ansaar Management Company 2011
No Financing:9
In-HouseFinancing:
92
MortgageFinancing:
1
ProjectsSurveyed:
102
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Barriers to Growth
• Regulatory Framework
• Land Title & Administration
• Long-term Financing
• Secondary Market
• Inefficiency of Small Loans
• Social Sustainability
• Developer Credibility
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Ansaar Management Company
most developers build HOMES…
…often times yielding
Ghost Towns & Ghettos
AMC builds COMMUNITIES…
• Occupancy Requirements
• Social Infrastructure
• Community Development
• Mixed-Income
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Location:
Land Size:
Residential Units
Residential Plot Size
Target Income Segment *
Lahore Lahore
100 acres100 acres
2,0002,000
800 sq ft800 sq ft
$175 – $330$175 – $330
Ansaar Model City
* Monthly household income (USD)
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AMC’s Housing Ecosystem
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Thank You!