Page 19 - NIBAF-Training Matters January-March 2021

NIBAF conducted an on-line program on Remedial demand of affordable housing finance across all
Management in Agri-finance during the quarter. The income levels. In order to develop banks human
objective of the course was to highlight the resource capacity in the area of housing finance and
significance of credit monitoring and to recognize & enhance their ability to abreast with increased
evaluate problem loans. It also discussed causes of demand of housing unit in the country, NIBAF
default and its impact on overall loaning portfolio. planned to conduct training programs on housing
The program also explained various type of risks & finance during FY2021. During Jan-Mar FY2021,
their evaluations in terms of obligors, size and three on-line training programs on housing finance
pricing of the loan. Understanding of early warning were conducted. The course highlighted the
signal, underlying security, collateral & various importance of housing sector, increasing demand for
guarantees, evaluation of repayment flows are the housing units, scope of housing financing in Pakistan
different aspects of the program. The participants along with specific regulations, guidelines and
took active part in the training program and got circulars of SBP. The course also discussed
clarity on risk assessment and remedial Government Low-cost Housing Schemes and
management. banking products on housing finance. It also
highlighted important concepts of house mortgages
Training Programs on Housing Finance & its types, risk assessment & mitigations, collateral
& security documentation, comparison of home loan
There is increasing demand of housing units in vs mortgages, marketing & sale techniques,
Pakistan in comparison to housing challenges & opportunities. The training was very
building/construction. The gap is broadening over interactive and participants shared their views on
the years. In fact, housing sector remains highly housing finance risks and discussed at length on
under-developed and untapped primarily due to current housing finance schemes & regulatory
lack of mortgage products and banks’ financing direction. They also appreciated NIBAF for
structures besides slack in relevant skills and organizing trainings on such important area and got
conducive environment. There is a great need of clarity on different aspects of housing finance.
scaling up housing finance in order to meet higher

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