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It is a government-run project where five million affordable houses for Pakistanis are to be constructed. Through this scheme, citizens of Pakistan and Overseas Pakistanis are in a position to purchase their dream home by getting subsidized loans from the banks. This is an opportunity for every Pakistani citizen like teacher, doctors, lawyers, industry professionals, technicians, freelancers, security guards, drivers, housewives, job holders etc. to avail this offer to buy shelter for their family and loved ones. Following are the loan amounts that can be taken from banks with subsidized rates.

Tier 0 PKR Up to 2,000,000/-
Tier 1 PKR Up to 3,500,000/-
Tier 2 PKR Up to 6,000,000/-
Tier 3 PKR Up to 10,000,000/-

With the help of this scheme, you can turn your dream of owning a home into a reality and secure your future.


Araaj.pk offers a one window facility to customers that are interested in Naya Pakistan – Low Cost Housing Scheme. Araaj.pk is a business entity formed to serve the customers to meet their Real Estate & Construction needs. We have been an established and a proven company with an excellent record of accomplishments for the best customer satisfaction and delivery. We have never compromised on the quality and the services provided to our customers. We believe in keeping the customers happy and providing them with the best quality services to achieve their goals. We have experienced team members who will guide you with their best ideas by keeping in constant touch with your and informing about the market trends. Our services range from buying, selling and rental residential properties for homeowners, commercial properties for business enterprises, industrial space for manufacturing businesses, agricultural lands for food companies and offer customized business services to meet customer demand.

Araaj.pk has operated its construction services through hiring professional services of building contractors. These experts are professionally sound and possess a valid engineering license and have a record of accomplishment of working experience with renowned builders & developers in various residential and commercial projects both locally and with international clients.

Araaj.pk has a team of project designers and architectures, project planners and engineers who plan the construction cycle of the project, material, labor and equipment needs for the project and select best approaches to deliver optimum results under client budget. Araaj.pk has a layer of management consisting of project coordinators and supervisors who assist the technical team in providing material, sufficient labor force, construction site equipments and regulatory approvals and NOCs of construction permission, utility connection approvals and all other documentary needs that is necessary for construction and development work in a smooth manner.


Araaj.pk has made arrangements with Pakistani Banks for facilitation of customer loan applications and assisting in document collection and scrutiny.

Following are the services to be provided to our customers.

  1. Provide understanding of Shariah based Islamic Banking for Home Loans.
  2. Preliminary qualification and collection of documents required for Home Loan Applications.
  3. Evaluate and assess salary / income statements and provide visibility on the Loan Amount that can be granted.
  4. Mark monthly installments that would be payable by customer under the Term Loan of 10, 15 and 20 years.
  5. Educate customers on the level of personal contribution/down payment required.
  6. Forward all documents to the concerned bank for processing the loan application.

The above services will be provided Free of Cost to customers in terms of social responsibility and public benefit at large scale.


We have ready to move apartments and houses for household families in different areas, in different sizes and tailor made properties that meet the requirements of Naya Pakistan Housing Program. We help you source the right property that meets your budget and/or loan approval limit. These properties meet the State Bank of Pakistan regulations from a clear property title and lease perspective and have already been assessed, evaluated by the Banks.


Araaj.pk will facilitate interested customers in purchasing plots through bank financing and assist them in processing construction loans for the development and construction of dream family houses. Our customer avails all construction related services like leased plot sourcing & securitization, architectural design layouts, and departmental approvals from authorities, Bank BOQ reports, construction schedule, material & labor management, construction work inspection, contractor service management and handover turnkey services under one roof.

Araaj.pk provides a complete peace of mind and will take care of every element from Loan Financing to Real Estate Assessments & Procurement to Construction.

Interested individuals and families can contact us by calling on 0336 2564236 or filling out the form below: