Departments involved in house building

House building is a very lengthy process that involves much time, resources, and hard work. When you construct a house, you need help from different departments. In Pakistan, there are several departments involved in house building. These departments ensure the proper construction of the building and help you throughout the house building process.

In this informative blog, we bring you a list of departments involved in house building. 

So, let’s get started.

Punjab Land Records Authority (PLRA):

The first department that is very crucial in house building is PLRA. It is a regulatory body started by the Government of Punjab. The primary objective of this department is the computerization of land records in Punjab province for bringing about a qualitative change in people’s lives.

With these initiatives, the Government will improve service delivery and enhance the perceived level of tenure security. Punjab Land Records Authority has been set up through PLRA Act-2017 under the Board of Revenue, Government of Punjab.

In Pakistan, many people are scamming people and taking away their land. Some people build houses on illegal grounds and sell them to innocent people. To stop such malpractices, Punjab Land Records Authority is taking many initiatives. They are working on a futuristic approach to transforming manual land records management into an efficient, accountable, secure and transparent system through integrated technology solutions.

Capital Development Authority (CDA):

The next department that is involved in house building is the Capital Development Authority (CDA). CDA is a public sector organization whose main objective is to provide municipal services in Islamabad Capital Territory.

The CDA was established on 14 June 1960 by executive order entitled Pakistan Capital Regulation. In 2016, almost all the CDA’s municipal services and departments were transferred to Islamabad Metropolitan Corporation.

Some of the activities managed by the CDA include:

• Building Code Standards.
• Environment Standards.
• Public Safety Standards.
• Maintenance
• Local Roads Maintenance and Repair Work.
• Public Infrastructure Maintenance.
• Garbage Collection
• Developer and Planner
• Further expansion of Islamabad, Future planning
• Township

Islamabad Electric Supply Company:

Utilities are essential when you construct any building. Without proper utilities, the value of the building will decrease, and you will not be able to live in the building with peace. 

For the proper electric supply in the capital, you will have to get the services of Islamabad Electric Supply Company. 

IESCO was formed in 1998 to take over the assets, functions, and responsibilities of the Islamabad Area Electricity Board. In earlier years, it was a division of WAPDA. The primary objective of IESCO is to supply, distribute and sell electricity in the area from Attock to Jhelum and from the river Indus to River Neelum in Kashmir.

The company’s main objective was to acquire/take over those properties, rights, and liabilities of Pakistan Water and Power Development Authority, an administrative division formerly known as the Islamabad Area Electricity Board (AEB)and expand and extend the business and activities.

You will need this department while getting your power supply for the building. The department will be responsible for the installation of your meter and your monthly billing schedule as well. 

Sui Northern Gas Pipelines Limited (SNGPL):

Like electricity, Sui gas is also crucial for house building. Without gas, you will not be able to cook food and get hot water in the house. SNGPL was incorporated as a private limited Company in 1963 and converted into a public limited company in January 1964 under the Companies Act 1913 of British India, now The Companies Act 2017 of Pakistan, and is listed on the Pakistan Stock Exchange. SNGPL provides gas to 16 regions, and it has 5.3 million consumers.

Water and Sanitation Agency (WASA):

Water, like other utilities mentioned above, is crucial for the house building process. WASA came into being in 1976, and its primary objectives are the planning, designing, development, and maintenance of the water supply sewerage and drainage system in Punjab.

WASA has to deliver a safe, reliable, and efficient water supply to satisfy the demand of all sectors.

The Provincial Government allocates a share of property tax. The Government approves the budget and increases user charges of Punjab. The sanction of expenditure and procurement is carried under the financial rules of the Government.

The breakdown of duties of WASA are given below:

• Rehabilitation and augmentation of the existing system.
• Operation and maintenance of water supply, sewerage & drainage system.
• Billing and collection of all rates, fees for the services provided to its consumer.
• Undertaking bulk production, filtration/treatment, transmission, and retail distribution was purifying of water.
• Collection, pumping, treatment & disposal of sewage & industrial waste.
• Enforcement against defaulters and unauthorized connections etc.
• Short-term and long-term planning for tapping additional water sources & its implementation to meet water supply and sewerage demand projected.

House building finance limited:

Many people cannot finance their real estate projects. They do not have enough savings, or they do not have enough earnings at the moment. For such people, house building finance is the best option. 

The prime objective of house building finance is to provide affordable housing solutions to low and middle-income groups of the population by encouraging new constructions in the small & medium housing (SMH) sector.

Some of the products offered by the house building finance include: 

• Ghar Pakistan Scheme – Construction
• Ghar Pakistan Plus Scheme – Construction
• Ghar Sahulat Scheme – Construction
• Ghar Pakistan Scheme – Purchase
• Ghar Pakistan Plus Scheme – Purchase
• Ghar Sahulat Scheme – Purchase
• Bachat Scheme
• HBFC KHAAS
• Mera Pakistan Mera Ghar

Eligible criteria:

To avail of the house building finance, you need to fulfill the following requirements.

Citizenship:

• Resident Pakistani
• Non Resident Pakistani
• The facility of Applicant / Co-applicant / Guarantor:
• Primary (or Single) & Co-applicant allowed
• Co-applicant must be an immediate family member
• Guarantors must be family members having inheritance rights in the property to be mortgaged.

Age of Applicant / Co-applicant  / Guarantor:

• Salaried: 18 – 57 years
• Self-employed Businessmen / Self-Employed Professionals: 18 – 62 years

Income Criteria:

Up to PKR 100,000/- per month

Employment / Business / Professional Tenure:

• Salaried: Minimum 1-year continuous employment
• Self-employed Businessmen / Professionals: Minimum 2 years in current business/industry

Citizenship:

• Resident Pakistani
• Non Resident Pakistani

The facility of Applicant / Co-applicant  / Guarantor:

• Primary (or Single) & Co-applicant allowed
• Co-applicant must be an immediate family member
• Guarantors must be family members having inheritance rights in the property to be mortgaged.

Age of Applicant / Co-applicant  / Guarantor:

• Salaried: 18 – 57 years
• Self-employed Businessmen / Self-Employed Professionals: 18 – 62 years

Income Criteria:

• Individual’s Income: Up to PKR 175,000/- per month (net of taxes and pension contributions)
• Household Income: Up to PKR 230,000/- per month
• Guarantor Income Up to PKR 175,000/- per month (net of taxes and pension contributions)

Employment / Business / Professional Tenure:

• Salaried: Minimum 1-year continuous employment
• Self-employed Businessmen / Professionals: Minimum 2 years in current business/industry

Citizenship:

• Resident Pakistani
• Non Resident Pakistani
• The facility of Applicant / Co-applicant  / Guarantor:
• Primary (or Single) & Co-applicant allowed
• Co-applicant must be an immediate family member
• Guarantors must be family members having inheritance rights in the property to be mortgaged.

Age of Applicant / Co-applicant  / Guarantor:

• Salaried: 18 – 57 years
• Self-employed Businessmen / Self-Employed Professionals: 18 – 62 years

Income Criteria:

• Verifiable net disposable monthly income

Employment / Business / Professional Tenure:

• Salaried: Minimum 1-year continuous employment
• Self-employed Businessmen / Professionals: Minimum 2 years in current business/industry

So, these are some of the most important departments involved in house building. Go through the list and understand these departments and their functioning. These departments will not only safeguard your property but will also help you in the house-building process.

If you have questions or queries let us know in the comments section below and we will get back to you as soon as possible.