Housing Schemes in Sindh Sector.pdf · Approximately, 40 acres of state land in Thatta, Deh Makli has been earmarked for the Project. The land stands mutated in the name of SMBBT

GOVERNMENT OF SINDHINVESTMENT DEPARTMENT

Housing Schemes in Sindh

Housing needs of SindhTotal Population of Sindh is 52 million

25 million in urban areas23 million in rural areas.

Over half of population in Sindh are officiallyclassified as living in “multidimensional poverty”,spread of poverty at 54.6% in rural and 9.3% inurban areas.

The population of Sindh is predicted to grow at2.41% annually, bringing the total population in2030, to over 60 million.

Out of 52 million inhabitants 43% of thepopulation of Sindh survive on less than US$2 perday.

Out of population of 52 million , 1 in 2 people livein poor quality or substandard housing and 1 in 3people are in acute housing need.

Housing needs of Sindh

MPI report suggests 20-25 million people in Sindhlive in poor or sub-standard housing.

Over 17 million in acute housing need ( 2.5 millionhouses if 7 members per family house is used).

Sindh is in the top 7 most climate vulnerable areasof the world.In the times of disaster the poorest people arealways the most vulnerable.During last floods, around 3.5 million houses inSindh were severely damaged or destroyed; leaving10 million people homeless.

By 2030, with the expected population increase of2.4% per year, the housing requirement in Sindh forthose in acute need will reach 20 million.

Housing Schemes in Sindh

1. Shaheed Mohtarma Benazir Bhutto Township (SMBBT)The Sindh government has launched the scheme Shaheed Mohtarma BenazirBhutto Towns under the instructions of former President of Pakistan Asif AliZardari for providing 50,000 plots free of cost to the poorest of the poorfamilies.

2. Shaheed Benazir Housing Cell (BHC)Government of Sindh has created a cell with the name of Shaheed BenazirBhutto Housing Cell during the financial year 2008-2009

3. Taiser Town Scheme-45 of Malir Development Authority.The government has set the price for 80 square-yard plots at Rs80,000; for120 square-yard plots at 120,000; for 240 square-yard plots at 528,000; and,for 400 square-yard plots at Rs1,200,000

ObjectiveProvide low cost homes for low income earners and homelesspeople

Issues It is estimated that 50% of urban population now lives

in katchi abadis and slums

Kachi abadis and slums lacks basic education and healthcarefacilities

Karachi needs one million housing units affordable for lowincome earners (additional 90,000 units annually)

Lack of innovative techniques

Lack of Public-Private Partnerships (PPPs) with moderndevelopers in collaboration with NGOs to introduce low-costtechnologies

Townships

Shaheed Mohtarma Benazir Bhutto Towns(SMBBT)

• Government of Sindh under the President’s Directives hadincluded this scheme in ADP 2011-12 under Special InitiativeUnit as “Development of Townships in Major Urban Centers(50,000 Nos.) 120-Sqyds plots with all Civic Services in Sindh”namely “Shaheed Mohtarma Benazir Bhutto Towns” (SMBBT) in23-Districts of Sindh.

• 50,000 plots of 120 Sq. yards in 23 district of Sindh are to bedeveloped and handed over to Poorest of the Poor People freeof cost, to improve the socio economic condition and to providethem shelter with better environment.

• It was decided at CM House that 11 Districts of Sindh may begiven priority namely Karachi, Hyderabad, Thatta, Jamshoro,T.M.Khan, Dadu, Mirpurkhas, Khairpur, Sukker, Shikarpur&Ghotki.

Shaheed Mohtarma Benazir Bhutto Towns (SMBBT) Allotment is made through transparent balloting

First balloting of 27,500 Plots out of 31,000 planned plotsof above 11 priority Districts was held on 9th Dec. 2013under the directives of Honorable Chief Minister Sindh atCM House.

Infrastructure development at Jamshoro, Makli, T.M Khan,Sujawal district Thatta has been completed

Whereas work at Karachi & Hyderabad have beencompleted up to 90% and the other districts i.e Khairpur,Sukkur, Shikarpur, Jacobabad and Gotki have beencompleted to the extent of 50% to 70%.

The work has been started at Dadu, Meher, Sehwan duringthe month of May 2018 and to be started at Badin in nearfuture, as work order has been issued.

The Tenders are being invited for Miro-Khan, Dur, QambarShahdadkot and Khipro shortly.

CityTaluka /

Deh.Totalplots

Plotsalloted

Landallocated

(acres)

Infrastructurework

completed

Karachi Keamari 18,050 18,050 1,000 85%

Hyderabad Latifabad 4,660 4,660 308 60%

Thatta Sujawal 870 870 40 100%

Jamshoro Kotri 700 700 10 75%

T. M. Khan T.M Khan 316 316 39 100%

Dadu Dadu 500 500 19 80%

Mirpurkhas Mirpurkhas 1,112 1,112 78 25%

Khairpur Khairpur 1,292 1,292 67 50%

Sukkur Rohri 817 - 47 70%

Shikarpur Gari yaseen 1,349 - 75 80%

Ghotki Mirpur Mathelo 1,081 - 65 80%

Total 30,747 27,500 1,748

Shaheed Mohtarma Benazir Bhutto Towns (SMBBT)

.

CityLand

allocated(acres)

RoadsWaterSupply

SewerageSyatem

Storm WaterDrain

Karachi 1,000 90% 95% 95% 100%

Hyderabad 308 90% 85% 85% 100%

Thatta 40 100% 100% 100% 0%

Jamshoro 79 100% 100% 100% 0%

T. M. Khan 19 100% 100% 100% 0%

Dadu 27 50% 90% 80% 0%

Mirpurkhas 78 0% 0% 0% 0%

Khairpur 67 60% 50% 45% 0%

Sukkur 47 70% 70% 50% 0%

Shikarpur 75 95% 95% 95% 0%

Ghotki 65 80% 82% 85% 0%

Shaheed Mohtarma Benazir Bhutto Towns (SMBBT)

SMBBT Karachi (Deh Mandiari, Keamari)

Approximately, 1000 acres of state land in Karachi, DehMandiari has been earmarked for the Project nearHawksbay Scheme-42

Out of 18,050 successful allottees, 100% allotment but 4737allottees got possession.

Infrastructure development works are in progress. Thestatus is as under:

• Roads 90%• Water Supply System 95%• Sewerage System 95%• Storm Water Drainage 100%

It is expected that the remaining works will be completedbefore 30 June 2019 subject to the availability of funds

SMBBT HYDERABAD (Deh Ganjo Takkar) Approximately, 308 acres of state land in Hyderabad, Deh

Ganjo Takkar has been earmarked for the Project. The landstands mutated in the name of SMBBT.

4660 plots of 120 sq. yds have been planned for allotment.

Out of 4660 successful allottees, 100 % allottmentand possession to 677 allottees done.

Infrastructure development works are in progress.The status is as under:

Roads 90 %Water Supply System 85 %Sewerage System 85 %Storm Water Drainage 100 %

It is expected that the remaining works will becompleted before June 2019 subject to theavailability of funds.

SMBBT THATTA (MAKLI) Approximately, 40 acres of state land in Thatta, Deh Makli

has been earmarked for the Project. The land standsmutated in the name of SMBBT.

700 plots of 120 sq. yds have been planned for allotment..

Out of 700 successful allottees; 100 % allottment done Possession to 115 allottees


Roads 100 %Water Supply System 100%Sewerage System 100%

The work has been completed.

SMBBT THATTA (SUJAWAL) Approximately, 10 acres of state land in Sujawal has been

earmarked for the Project. The land stands mutated in thename of SMBBT.


Out of 170 successful allottees; 100 % allotment done Possession to 25 allottees



The work has completed.

SMBBT JAMSHORO (Deh Sanwalhar) Approximately, 39 acres of state land in Jamshoro, Deh

Sanwalhar has been earmarked for the Project. The landstands mutated in the name of SMBBT.


Out of 700 successful allottees, 100% allotment done Possession to 46 allottees



The work has completed.

SMBBT TANDO MUHAMMAD KHAN Approximately, 19 acres of state land in Tando Muhammad

Khan has been earmarked for the Project. The land standsmutated in the name of SMBBT.


Out of 316 successful allottees, 60 allottees have beengiven allocation letters.



The work has been completed.

SMBBT DADU

Approximately, 27 acres of state land in Dadu has beenearmarked for the Project. The land stands mutated in thename of SMBBT.


Infrastructure development work progress is as under

Roads 50% Water Supply System 90% Sewerage system 80%

Work is expected to be completed by 30 June 2019.

SMBBT MIRPURKHAS

Approximately, 78 acres of state land in Mirpurkhas hasbeen earmarked for the Project. The land stands mutated inthe name of SMBBT.



Tenders for the development works have been completedand work in progress. HIGH COURT STAY ORDER

SMBBT KHAIRPUR

Approximately, 67 acres of state land in Khairpur has beenearmarked for the Project. The land stands mutated in thename of SMBBT.



Tenders (NITs) for the development works have beencompleted and work is in progress.

SMBBT SUKKUR

Approximately, 47 acres of state land in Sukkur, DehNaseerabad & Marri has been earmarked for the Project.The land stands mutated in the name of SMBBT.


Tenders (NITs) for the development works have beencompleted and work is in progress.

Deh Marri and Rohri work will be completed by June 2019. Deh Naseerabad work couldn’t start due to land title

dispute.

SMMBT SHIKARPUR

Approximately, 75 acres of state land in Shikarpur, DehJuneje, Deh Jamra and Deh Garhi Yasin have beenearmarked for the Project. The land stands mutated in thename of SMBBT.


Development work progress Roads 95% Water Supply System 95% Sewerage System 95%

The work will be completed shortly subject to theavailability of funds.

SMBBT GHOTKI

Approximately, 65 acres of state land in Ghotki, Deh Ruk& Deh Balo Mirpur have been earmarked for the Project.The mutation of land in the name of SMBBT is in process.

1081 plots of 120 sq. yds have been planned forallotment.

Preparation of Drawing/Design of infrastructure inprogress.

Roads 80%Water Supply System 82%Sewerage System 85%

Shaheed Benazir Bhutto Housing Cell

Shaheed Benazir Bhutto Housing CellIntroduction:Govt. of Sindh has created a cell with the name of “PeoplesHousing Cell” then renamed as “Shaheed Benazir BhuttoHousing Cell”.

A steering committee was constituted to oversee theaffairs of the cell under the chairmanship of CM Sindh.

The cell has been declared as attached department ofLocal Government and Housing Town PlanningDepartment with the name of Benazir Bhutto Housing Cell(BHC)

To establish a permanent sustainable institutionalmechanism along with a plan to provide decent, affordablehousing units for low income sections of the society.

Project Operations in Sindh

• Districts 24• Talukas 163• Union Councils 866• Villages 3538• Number of Families

15000

Low Cost Housing Scheme in Rural Areas• The Govt of Sindh through BHC approved and started the program in

Three Phases for construction of 18400 LCH in Rural areas.• Total 15400 completed so far.

Phase No. of Houses Year of completion Remarks

1st Phase 6700 2010-11 to 2011-12 i. 2084 completedii. Cons. Of 2542 at different

leveliii. 274 house matter with NAB

2nd Phase 6100 2014-15 to 2015-16 Completed

3rd Phase 600 2016-17 to 2017-18 Funds for 3000 released. 2200 outof 3000 completed and 800 at diffstages of construction.

Continued

• The remaining houses of phase three are likely tobe completed by May 2019

• For the 1st and 2nd Phase the beneficiaries werenominated by the elected representatives.

• for the 3rd Phase beneficiaries are being takenfrom beneficiaries of BISP, after verification ofbeneficiaries through NADRA Biosys verificationsystem link with specified SBHHC ERP software.

Project in Urban Areasa) 200 acres land at District Khairpur.• the cell was allotted 200 acres of land at Deh Luqman Khairpur by BoR GoS in

2010.• Initially 81 acres land being developed where Roads, Water Supply and Sewerage

and Electricity have been provided.• Allotment procedure has been done, balloting is awaited as yet.• It comprises 1647 residential plots and 43 commercial plots.

b) 4-24 acres land at defunct Ismail Textile Mill District Khairpur.• 120 residential plots• Due to encroachment, work couldn’t kick start.

c) 50 acres land at Deh Nagan Karachi. NC land of Deh Nagan has been leased for 99 yers to BHC at the rate of 1.375 million

per acre being 25% of the market price of 5.5 million per acre for the incrementalhousing scheme.

• However, the scheme has not been initiated as yet.

SBBHC Projects

S#

Name of project StartingDate

Completion Date

AmountReleased

Amountutilized

DistrictName

Number ofHouse/Plots

Progress Remarks

1 SRSO ProjectMarch2009

November2009

50 Million 50million

Khairpur,Larkana,SukkurShikarpur ,Jacobabad

200 Houses

Completed Satisfactory

2 UNDP Project24-11-2008

2010

172Million

172Million

Karachi ,Badin , Thatta 500 Houses

Completed Satisfactory

36000 Low costHouses Phase I

2010 20131388

Million1426

MillionAll Districtsof Province

6000Houses

Project notcompleted

7 Districts MatterUnder NAB 6Districts are

Completed and 9Districts are not

completed

SBBHC ProjectsS#

Name ofproject

StartingDate

Completion Date

TotalProject

Cost

AmountReleased

Amountutilized

DistrictName

Number ofHouse/Plots

Progress Remarks

16000 Low costHouses Phase II

01 -07-2014

15- 05 -2016

1570Millions

1570Millions

1560Million

All Districtsof Province

6000 Houses6000 Housescompleted

ProjectCompleted

2Deh lukmanScheme

28-05-2014

30-03-2017

200Millions

290Millions

290Million

Khairpur 1647Plots100% Workcompleted

Project iscompleted

3

Solar Home Unitfor 6000 lowcost houses

phase II

28-02-2017

6Months

160Millions

160Millions

115.24Millions All District 6000 House

Installation ofSolar units in low

Cost houses inprogress and willbe completed till

30 -12-2018

4300 solarunits areinstalled

46000 Low cost

Houses Phase III 15-12-2016

15 12-2017

1820Millions

900Millions All District 6000 House

3000 Houses inProgress Will

Completed till 01-01-2019

Remaining3000 not

started duenon

availabilityof Fund

SBBHC Proposed Projects

S# Name of project Starting DateCompletionDate

ProposedAllocation

AmountAllocated/Released

DistrictName

Number ofHouse

Remarks

1Solar Home Unit for

6000 low costhouses phase III

- 12 Months 240 Million

Fund areAvailablein Fund

Management

All District 6000 HouseProposal Submitted toChief Minister Sindh

For Kind Approval

2

6000 Low costHouses Phase IV - 18 Months 3169.95

Millions1500

MillionAll District 6000 House

Propose to ChiefMinister Sindh For

Kind Approval

3

EstablishmentHousing Scheme forpoor persons who

have beenDislocated from

Sukkur Canals Banks

- 18 Months 795.64million - Sukkur 3800 Plots

Secretary LocalGovernment

Department BeingAdministrative

Secretary Floated fundSummary to ChiefMinister Sindh forImplementation of

Scheme

4

ConstructionBoundary Wall on 50Acers Land of SBBHC

@ Deh Nagan

- 6 months 42 million

Fund areAvailablein Fund

Management

Karachi -

PC-1 Submitted inLocal Government

Department forforwarding to P&D

Department

Low Cost Houses & Solar Units Phase II

Low Cost House Phase III

Choras In Tharparkar Phase III

SBBHC Projects Summary

Low cost Houses Project• 6000 Low Cost House Not Completed ( Phase I )• 6000 Low Cost Houses Completed (Phase II)• 6000 Low cost Houses are in Progress (Phase III)• 6000 Low cost Houses Proposed in new Fiscal Year (

Phase IV)18000 Low cost House will be Completed Till

2019(108000 Poor Peoples will be Beneficiaries of

the Project)--------------------------------------------------------------------------

---------- Solar System Facilities in Low CostHouses Project

• 6000 Solar Units Installed in Phase II till 30 12-2018• 12000 Solar Units Proposed in Phase III&IV

18000 Solar home Units Will be Installed till2019

(108000 Poor Peoples will be Beneficiaries ofthe Project)

Low Cost Houses Design Phase IV

SBBHC Future Plan ( Proposed Projects )S# Name of project Estimated

Cost inMillion

Period ofCompletion

District Name Numberof

Houses/Plots

AvailableLand

(in acres)

Remarks

1 Establishment of incremental housingscheme (Integrated Township)

17.1875MillionCost ofLand

AlreadyPaid bySBBHC

18 Months Deh NaganKarachi

700 50 The Cost of land has already beenpaid

2 Infrastructure Development Work forestablishment of housing scheme forpoor

400.0 12 Months Bin Qasim &Gaddap TownKarachi

1700 100 Payment of land Rs. 1.75 millions is tobe paid which included in estimatedcost


78 .0 6 Months Hatrri TownHyderabad

300 19-16 Payment of land Rs. 4.625 millions isto be paid which included inestimated cost ( Land is Occupied)


48.0 6 Months Mirpurkhas 200 12-00 Payment of land Rs. 1.5 millions is tobe paid which included in estimatedcost ( Amount Available)


124.0 6 Months Hala TownMatiari

500 31-03 Payment of land Rs. 75,000/-is to bepaid which included in estimated cost( Land occupied )


20.0 6 Months NawabshahTownShaheedBenazirabad

120 5-00 Payment of land Rs. 75,000/-is to bepaid which included in estimated cost


2400.0 18 Months Tharparkar 2250 600 Payment of land Rs. 21,60,000/-millions is to be paid which includedin estimated cost ( Amount Available)

SBBHC Financial Status

S# Project Name Total Number ofUnits

Total Costof Project

AvailableFunds in

Budget 2018-19

AvailableFunds in

Fundmanagemen

t FD

Funds Required

16000 Low cost Houses

Phase III 6000 1860 Millions 1500 Millions 0 1126 Millions

2

Solar Home Unit for6000 low cost houses

phase III 6000 240 Millions 1500 Millions 410 Millions 240 Millions

36000 Low cost Houses

Phase IV 6000 3170 Millions 0 0 3170 Millions

4

Establishment HousingScheme for poor

persons who havebeen Dislocated fromSukkur Canals Banks

3800 795.64Millions 0 0 795.64 Millions

5

Construction BoundaryWall on 50 Acers Land

of SBBHC @ DehNagan

- 45 Millions 0 410 Millions 45 Millions

Total -- - 1500 Millions 410 Millions 5376 Millions

DETAILS OF PENDING CORRESPONDENCE TO LOCAL GOVERNMENT DEPARTMENTSr.#

Correspondence No. & date Particular of Correspondence Action Requested

1NO.SBBHC/H.S/DL./Allotment /5774/2017 Dated 19th December,2017

Request for fixing of date & time for allotment of 1647 plots in Benazir BhuttoTownship established on 81 acres land at deh luqman, khairpur (free of cost) amongpoor populace through balloting.

For placing before the HonorableMinister Local Government.

2No. SBBHC/L.C.H/3RD phase/5989/2018-dated 22nd June 2018

Transfer of PHC Funds For forwarding to FinanceDepartment as AdministrativeSecretary. of SBBHC

3 No. SBBHC/SNE/2018-19/5775/2017/ dated 20th

December 2017

Proposal of schedule of new expenditure (SNE)2018-19 under the major headsc21140(140) housing & town planning kq2290 (peoples housing cell)/ ShaheedBenazir Bhutto Housing Cell during the financial year 2018-19.

Forwarding to FinanceDepartment.

4NO.SBBHC/L.C.H/Conference/5888/2018-dated 2nd December 2018

Scientific conference on housing for poor: policies and practices in Sindh. For submission before ChiefMinister Sindh for fixing of date.

5NO.SBBHS/L.C.H/4th PHASE/5931/2018 Dated 3rd April 2018

Establishment of Low Cost Housing Units for Poor through People’s Housing Cell-Proposal for Release of Funds allocated for the financial year 2017-18 and budgetallocation for the financial year 2018-19

Summary for Chief Minister Sindhto implement the CM directives.

6NO.SBBHS/L.C.H/4th PHASE/5932/2018 Dated 3rd April 2018

Summary for Chief Minister Sindh for budget allocation for the financial year 2018-19*6000 houses) and release of funds allocated for the financial year 2017-18 forestablishment of 3000 low cost housing units in the province for the poor throughpeoples housing Cell

Summary for Chief Minister Sindh.

7NO.SBBHC/B.W/D.N/Scheme/5129/2018 Dated 26th March 2018

PC-I of the Scheme “ Construction Of Boundary Wall ON 50 Acres BHC/ Governmentland at Deh Nagan Karachi.

Forwarding to P& D Department

8No. SBBHC/CMD/ Sukk /Scheme /5918/2018 Dated 22nd March 2018

Request for allocation of funds of Rs. 759.64(million) for infrastructure developmentof the housing for poor person of district sukkur (who have been dislocated fromsukkur canal banks) non-ADP scheme through Shaheed Benazir Bhutto Housing Cell,Government of Sindh

Summary for Chief Minister Sindhto implement the CM Directives.

9No. SBBHC/CMD/ Sukk / Scheme /5918/2018 Dated 22nd March2017.

Constitution of Procurement, Consultant Selection And Complaint RedressalCommittees for Shaheed Benazir Bhutto Housing Cell.

Issuance of Notification.

Lessons Learned from Low Cost Housing Projects

• Selection of Implementation Agency CSO/NGO

• Beneficiary Identification

• Funds Disbursement

• Community Mobilization

• Political Will /Support

• Government Understanding towards Innovative Approach

• Coordination Between Donor and Implementer

• Design of House is based on the Indigenous Structure/Architecture• Low Cost ( SBBHC Rate Per sq ft 662 PKR, Government Schedule rate per sqft 1400

PKR Total cost saving From TAX Payer Money is 4442 Million almost 43 MillionUSD)

Trends of Housing Finance

• The formal financial sector has been failing toprovide adequate and affordable housing financeto a large segment of the population. Thecombined volume of outstanding housing financefrom banks and the HBFCL stands at around Rs.83 billion currently, which is equivalent to only0.5 percent of GDP

• The housing finance market has been marred byboth supply and demand side challenges

1. Key supply side issues.ineffective foreclosure laws, uncertainty of

title deeds, bank’s general preference for investmentin government securities and risk of maturitymismatch due to unavailability of long term funding..

Trends of Housing Finance

2. Key issues related to demand side- escalating property prices, dearth of financing

products, unavailability of formal financial services andvolatility in interest rates.

• SPB’s policy on low cost housing is an attempt toresolve issues faced by the mortgage industry

• It strives to increase housing finance portfolio ofbanks/DFIs from current, Rs. 83 billion to Rs. 250billion by June 2021, along with increasing thenumber of borrowers to 200,000 from the current68,000.

State Bank Policy for Low Cost Housing


• Definition of low cost housing financing in Pakistan to be adoptedas loan amount of up-to Rs. 2 million with the property valuing upto Rs. 2.5 million. The maximum monthly income of a low costhousing finance borrower should be up to Rs. 60,000.

• SBP to introduce a subsidized financing facility for low costhousing by providing liquidity to the financial institutionsat subsidized rate. SBP will provide refinance up to Rs. 1million or 50% of loan amount at a rate of 1% tobanks/DFIs and the end borrower rate will be 5%. Theremaining 50% of the loan / financing amount shall beprovided by the banks/DFIs from their own sources at fixedrate of up to 12% or variable rate of 1 year KIBOR plus riskpremium up to 4%. The facility will be provided for bothindividual house borrowers and housingbuilders/developers. Similar financing facility will also beprovided through the Islamic Financial Institutions.


• Banks to be assigned housing finance targets with the instructions tomake these targets part of the overall business plan and departmentaltargets.

• The general reserve requirements against low cost housing financeportfolio of banks/DFIs to be waived.

• Bank/DFI’s exposure in low cost housing to be exempted from theexposure limit of 10% for real estate sector.

• Microfinance Banks to be allowed to increase housing finance amountup to Rs. 1 million from Rs. 500,000.

• Banks/DFIs to introduce innovations in offering housing loan products.

• SBP to facilitate provincial governments and state ownedenterprises/autonomous bodies to avail housing finance from banks.

• Tax incentives, by the Federal Government, to builders and financialinstitutions on income derived from low cost housing.

• Capacity building and awareness creation.

Thank You

Documents

Housing Schemes in Sindh Sector.pdf · Approximately, 40 acres of state land in Thatta, Deh Makli has been earmarked for the Project. The land stands mutated in the name of SMBBT