پنجاب میں 'اپنی زمین، اپنا گھر، پروگرام کا آغاز، قرعہ اندازی میں 2 ہزار افراد کو پلاٹ مل گئے

#ApniZameenApnaGhar #PunjabUpdates #HousingScheme #PakistanMatters

Regi Model Town: Three Decades Of Broken Promises And Bureaucratic Negligence Three decades on, Regi Model Town remains unfinished; a tale of broken promises, unpaid compensation, and bureaucratic decay in Peshawar’s housing dream

Three decades on, Regi Model Town remains unfinished; a tale of broken promises, unpaid compensation, and bureaucratic decay in Peshawar’s housing dream.
By Fazal Maula Zahid

Read more: www.thefridaytimes.com/30-Oct-2025/...

#RegiModelTown #Peshawar #housingscheme #KokiKhel #lands #PDA #corruption

Housing scheme not enough, says Amupanda Allexer Namundjembo Affirmative Repositioning (AR) leader Job Amupanda has questioned the government’s failure to improve civil servants’ working and living conditions, despite the recent launch of a pension-backed housing scheme. His comments come as many low-level public workers continue to struggle with poor salaries and limited access to housing.  In a social media post, Amupanda criticised the government’s slogan, “We are too few to be poor,” calling it misleading. “If three million people are few, how about the 120,000 government employees? Why is their employment condition still poor? From salaries, professional development, incentives and opportunities, government employees are left behind,: he said.  Amupanda said many lower-level public workers, including cleaners and clerks, cannot afford to buy their homes.  He compared Namibia’s situation to Botswana, where, he said, a special housing scheme exists for lower-tier employees. “In Botswana, they have a special housing scheme for these lower-level employees. We have nothing similar. They are left on their own,” he said. He suggested a collective form of protest by civil servants, proposing that all public workers stay home “sick” for a day to show their value to the state. “Perhaps we need to find a day where everyone stays home ‘sick’ so that only ministers and executive directors report for duty, even those at State House. We are tired of slogans. Over to you, sloganeering government,” he wrote.  His remarks follow the recent approval of a Pension-Backed Home Loan (PBHL) scheme for civil servants by finance minister Ericah Shafudah.  The scheme allows Government Institutions Pension Fund (GIPF) members to use up to one-third of their pension savings as collateral for home loans. Loans under the scheme will carry interest rates capped at the Bank of Namibia’s repo rate plus 2.5%. GIPF has set aside N$900 million for the scheme.  The loans will be managed and disbursed by licensed financial intermediaries, including First Capital and Kuleni Financial Services. Borrowers can use the loans to buy land, build homes, renovate, or service plots for future development. While welcomed by some, critics say the scheme overlooks key issues affecting civil servants, especially those nearing retirement or earning low wages.  They argue that older employees may not benefit, as using their pension savings now could shrink their retirement payouts. Amupanda’s comments reflect this frustration.  “As it stands, no matter what we do, low-level government employees will continue to struggle with basic needs like housing,” he said. He also pointed to housing efforts in other African countries.  In Botswana, the Public Officers Housing Initiative (POHI) supports lower-level public workers with subsidised housing loans.  In South Africa, civil servants access the Government Employees Housing Scheme (GEHS), which provides financial advice and affordable housing loans. Rwanda has partnered with the Rwanda Housing Authority and the Development Bank of Rwanda to offer affordable housing through low-interest loans, rent-to-own schemes, and cooperatives for civil servants and middle-income earners. Amupanda said Namibia needs similar reforms to match these efforts and ensure public servants are not left behind.

#HousingScheme #Namibia #JobAmupanda #CivilServants #PublicWorkers

Pension-backed housing scheme launched Pension-backed housing scheme launched NBC Online Thu, 06/26/2025 - 15:08

#PensionHousing #AffordableHousing #HousingScheme #CivilServants #FinanceMinister

GIPF’s housing scheme in final stages Chamwe Kaira The Government Institution Pension Fund (GIPF) is finalising a Memorandum of Understanding (MoU) with the Office of the Prime Minister for the Pension Backed Home Loan Scheme (PBHL). Edwin Tjiramba, general manager for marketing and stakeholder engagement, told Observer Money that the fund will soon inform members and stakeholders of the outcome and the way forward.  He declined to answer further questions, saying the fund is not in a position to share more information at this stage. In its 2024 Annual Report, GIPF said it had been engaging stakeholders on the PBHL scheme. The initiative is designed to allow members to access a portion of their pension savings for buying or improving property. The fund stated that the scheme aims to boost financial flexibility and encourage homeownership. It also aims to help address housing challenges while contributing to broader economic growth. The board has approved the scheme, which allows members to use their pension as security for home loans. GIPF said the approach will assist those who may not qualify for loans from commercial banks, regardless of their location. In July 2023, GIPF announced that the rollout was expected soon. It noted that only 30% of its members currently have access to adequate housing. GIPF said the PBHL scheme is a key part of its short-term strategy to improve member welfare by making homeownership more accessible. Over the medium term, the fund said it will focus on strengthening its investment strategy.  It aims to achieve returns of inflation plus 5% by working with top asset consultants and maintaining a diversified portfolio. The fund said this target is essential for growing assets and ensuring it can meet long-term obligations.  GIPF remains committed to keeping the fund fully funded and able to deliver promised benefits to all members. The housing shortage in the country continues to grow. The parliamentary committee on economics and public administration recently reported a backlog of 300,000 housing units. The report called for investment in urban land development and affordable housing, especially for first-time buyers and low-income households. Namibia’s 2023 National Housing Policy outlines key interventions, including the Participatory Informal Settlement Upgrading programme targeting 150,000 plots and the Sustainable Incremental Greenfield Development programme aimed at developing 130,000 plots. Urbanisation in Namibia has risen sharply, with the urban population growing from 28% in 1991 to 65.5% in 2023. This growth has led to an increase in informal settlements across the country.

#HousingScheme #HomeOwnership #GIPF #PensionSavings #EconomicGrowth

Guest Post – PmawasgraminList.co PmawasgraminList.co is an informational platform dedicated to the Pradhan Mantri Awas Yojana – Gramin (PMAY-G), a flagship rural housing scheme initiated by the Government of India. The website provides comprehensive details on various aspects of the scheme, including eligibility criteria, application procedures, beneficiary lists, and installment tracking. It serves as a valuable resource for individuals seeking to understand and benefit from PMAY-G, offering guidance on how to apply, check beneficiary status, and access financial assistance for constructing permanent homes in rural areas. While not an official government portal, pmawasgraminlist.co aims to disseminate accurate and up-to-date information to aid rural citizens in navigating the housing scheme effectively.

Guest Post – PmawasgraminList.co: PmawasgraminList.co is an informational platform dedicated to the Pradhan Mantri Awas Yojana – Gramin (PMAY-G), a flagship rural housing scheme initiated by the Government of India. The… #PradhanMantriAwasYojana #PMAYG #RuralHousing #HomeForAll #HousingScheme

Netherlands a ‘cautionary tale’ for Coalition’s mortgage deduction scheme, expert warns Cody Hochstenbach says the scheme in his country has driven up home prices and weighs heavily on taxpayers

The housing plan from the coalition, as it was in the Howard years with negative gearing, is poorly researched, set up for short term political gain, and will only make properties more expensive in the long run. Please use the cautionary tale from my home country.
#auspol #housingscheme

🏡 Big Update on Indiramma Illu Housing Scheme! 📢 Stay tuned for the latest developments! #HousingScheme #TelanganaUpdates #Hyderabadnews

#Dumbiedykes #Edinburgh #socialhousing #housingscheme