GOVERNMENT OF KHYBER PAKHTUNKHWA

HOUSING DEPARTMENT

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AFFORDABLE HOUSING SCHEME

FOR GOVERNMENT SERVANTS

Director General
Provincial Housing Authority
091-9224288
 GOVERNMENT OF KHYBER PAKHTUNKHWA

HOUSING DEPARTMENT

KHPAL KOR
AFFORDABLE HOUSING SCHEME
FOR GOVERNMENT SERVANTS
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 Introduction

A huge scheme of Khpal Kor low cost affordable housing has been launched with the help of Bank Home Financing
facility, benefiting a large number of government servants and general public. In the first phase the facility has been
extended to the existing allottees (Provincial Government Servants only) of Jalozai Housing Scheme, Mulazai Housing
Scheme Peshawar, Havellian Township Abbotabad and Jerma Housing Scheme Kohat. In the second phase the
scheme will be extended to the government servants who will be allotted the balance plots in the said housing
schemes, through computerized draw. In third phase low cost affordable build up houses and apartments will be
provided to government servants (initially in the Khpal Kor Scheme-I at Dheri Zardad on main motorway near
Charsadda Interchange under PPP. In the 4th phase build up apartments will be provided to government servants in
different cities under PPP.
The initiative will provide planned affordable housing, stabilize the soaring real estate prices and generate huge
economic activity in the province. Under the scheme the banks will provide home finance facility under a tripartite
agreement between Banks-Employees-Government/PHA. The Construction will be undertaken by allottees
themselves and completed in one year. A 5 Marla single storey house having 2 bed rooms, DD, Porch, Kitchen, two
baths, backyard will cost about Rs. 18 lacs including cost of land and development.

The prospective return from the house will be sufficient to payback the installments rather would fetch some saving as
well besides increase in the value of the house . Regional Facilitation Centers have been established at Peshawar,
Swat, Abbotabad and Kohat for free facilitation of the aspiring government servants as well as general public, in
preparation of the documentation for the bank home finance facility.

Arrangements (optional) for low cost affordable construction material/pre fab technology are being negotiated with
Chines & Local companies.

SALIENT FEATURES OF THE KHPAL KOR AFFORDABLE

HOUSING SCHEME

Plots will be allotted to the government servants in the following existing housing Schemes
namely;

1) Jalozai Housing Scheme District Nowshera,

2) Mulazai Housing Scheme District Peshawar,
3) Jerma Housing Scheme District Kohat and
4) Havellian Township Abbottabad.

Scheme wise available plots are as under:

Jalozai Housing Scheme

S# Size of the Plot

Total No. of Plots Available for Total Cost of the Advance Payment with Fasttrack Communications
Allotments Plot Application
1 5 Marla 201 Rs. 710,400 Rs. 100,000
2 7 Marla 905 Rs. 993,600 Rs. 150,000
3 10 Marla 143 Rs. 1,419,600 Rs. 200,000
4 20 Marla 595 Rs. 2,840,400 Rs. 200,000

Mulazai Housing Scheme

Total No. of Plots Available for Total Cost of the Advance Payment with
S# Size of the Plot
Allotments Plot Application
1 5 Marla 130 Rs. 924,000 Rs. 100,000
2 7 Marla 66 Rs. 1,048,000 Rs. 150,000

Havellian Township
 Total No. of Plots Available for Total Cost of the Advance Payment with
S# Size of the Plot
Allotments Plot Application
1 5 Marla 23 Rs. 720,000 Rs. 100,000
2 7 Marla 11 Rs. 1,458,000 Rs. 150,000

Jerma Hosuing Scheme Kohat

Total No. of Plots Available for Total Cost of the Advance Payment with
S# Size of the Plot
Allotments Plot Application
1 5 Marla 118 Rs. 540,000 Rs. 100,000
2 7 Marla 0 Rs. 1,080,000 Rs. 150,000
Note: Size of plots are approximate and subject to modification on actual measurement at the time
of handing over of possession.
a) 5% extra would be charged for corner plots AFTER ALLOTMENT.
b) Processing fee shall be deposited along with applications.
c) Cost of plots is tentative and is subject to change due to courts decision in respect of cost
of land and other un-avoidable circumstances.

ELIGIBILITY CRITERIA:

1) In the subject Scheme titled “Khpal Kor (2K) Low Cost Housing Scheme”, the Client must
be a Regular Employee of the Provincial Government of Khyber Pakhtunkhwa or State
owned autonomous entities of the Government of Khyber Pakhtukhwa with minimum 2
years of verifiable service history
2) Age at the time of applying for facility must be 25 to 55 years. However, Home Finance
maturity (expiry) will not be extended beyond superannuation of the Clients (i.e. 60 years
of age of the Clients).
3) The Average monthly verifiable Gross Income shall be Three (3) times of the proposed
monthly installment; with minimum Gross Monthly Salary of PKR 50,000/-. A Client can
also add other verifiable monthly income to supplement the verifiable Gross Income
for consideration of Home Finance.
4) The proposed Home Finance installment plus other finance facilities installments (if any)
be less than 50% of the take home salary / income.
5) The Client(s) shall not be Home Finance Defaulter(s) in any of the scheduled Bank(s)
and should not be party to a litigation against any Bank, in particular the Bank of
Khyber. A Certificate to this effect shall be provided by the Clients at the time of submission
of application.
6) Have no other residential plot in his/her name /dependents in any scheme under PHA

1. LOWER AND UPPER CEILINGS OF KHPAL KOR {2K} HOME FINANCE:

1) The amount depends on the requirement of every applicant and would be upto Rs. 18 lacs for Marlas,
Rs. 2..5 million, 3 million for 10 marlas and 4 million for 1 kanal.
2) The maximum amount of Home Finance approved by the Bank of Khyber, albeit non-
negotiable, would be PKR 4.0 million. This would be subject to age and income of the
employee and other considerations as detailed in this Tripartite Agreement.
3) The Debt to Equity Ratio would be 80:20 and is non-
negotiable.
4) The Home Finance shall be released as per plan agreed with the Client.

4. PERIOD OF FINANCE:
The Home Finance would be provided to the eligible Clients for a period not exceeding 20
years from the date of crediting of amount into the Client's Bank account or the remaining
service period, whichever is less. However, construction must be completed within 12
 (twelve) months of crediting of Home Finance into the Client's account and a certificate to this
effect shall be furnished within one month after the said completion.

2. MARK UP RATE:
The predetermined non-negotiable Markup Rate shall be 1 (One) year KIBOR plus 1% or
2% for a year, depending on the choice of bank at the time of signing of the Tripartite
Agreement for BHF.

3. HOME FINANCE REPAYMENT

A Repayment Installment shall be due on the 1st of each month or receipt of monthly salary
in Client's account (whichever is earlier) which is to be maintained with any of the branches
of The Bank of Khyber across Pakistan. The account will not be shifted from The Bank of
Khyber until complete retirement of the Home Finance.
4. INSURANCE
The Client agrees to pay The Property (Building) Insurance from an “A” Rated Insurance
company with a maximum premium rate of 0.2% plus taxes as well as an “Accidental Death
Life Insurance” with a maximum premium rate of 0.3% plus taxes.

5. PAYMENT OF SALARY THROUGH BANK OF KHYBER

The District Accounts Office will transfer the salary of the Client to the account of the
Client maintained with a designated branch of The Bank of Khyber.

6. LATE PAYMENT
Late Payment Fee is not applicable against payment of Home Finance Installment.
However, the Client hereby authorizes The Bank to deduct installment from his/her Bank
Account in case the monthly salary is not received in the Bank, for any reason, up to the 15th
of each month.
7. PROCESSING FEE:
The Bank of Khyber will charge Rs. 1500 plus Federal Excise Duty as processing fee
payable by the Client.

8. CALCULATION OF MONTHLY INSTALMENT AND AMORTIZATION

1) The Amortization Table and calculated monthly installment for all purposes be
considered a part of this Tripartite Agreement and the Client agrees to and abide
by the Amortization structure and Monthly Installment Plan relevant to the approved
Home Finance.
2) Stamp duty and other charges payable for Deed of Mortgage or charge shall be paid

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by the Client.

9. SECURITIES AGAINST HOUSE FINANCE

1) The Client's salary account shall be maintained with The Bank of Khyber and the salary
shall not be transferred to any other bank without NOC from BOK, on any grounds
whatsoever, till adjustment of the subject Home Finance.
2) The Client execute an Equitable mortgage by depositing original allotment letter
issued by the Provincial Housing Authority with The Bank till repayment of any
outstanding amount of Home Finance and interest payable on account thereof .
3) The Bank's lien on property shall be duly marked with relevant authority which in this
case is the Provincial Housing Authority/Housing Department, Government of
Khyber Pakhtunkhwa.
4) The Client shall provide Personal Guarantees for themselves as well as for co-
Clients(s) as per requirement of The Bank of Khyber.
5) The Client shall provide a List of Documents which shall form part of this
Tripartite
6) Agreement (Attached as Annex to the Tripartite Agreement)
 7) In case of default in execution of the mortgage in favor of the bank to secure the Home
Finance or in default in repayment of installments and/or interest thereof, the bank
may exercise its power under the Power of Attorney executed by the Client in favor
of the Bank and to take all actions under the said Power of Attorney including
completion of conveyance deed, taking possession of the title deeds and/or
possession of the allotted plot.

10. REGULATION
1) The Regulator/GoKP-PHA shall ensure that the Client shall abide by the terms of this
agreement and will not shift his/her salary to any other bank or other means, save with
other branch of The Bank of Khyber, without NOC from the Regulator and shall take
disciplinary action in case of such violation, against the Client under Efficiency &
Discipline Rules 2011.
2) Applications for Bank Home Finance shall be routed through the Regulator
through the Office of Director General Provincial Housing Authority.
3) The Regulator shall endorse the agreement through DG Provincial Housing Authority.
4) The Regulator shall provide a copy of this agreement to the Controlling Officer and
Drawing & Disbursing Officer of the Client to take effect in the transfer of the salary
of the Client to The Bank of Khyber and ensure that the salary is not transferred to
any other bank other than The Bank of Khyber.
5) The Regulator shall establish Regional Facilitation Centers for helping the Clients
in preparation of the required documents for the Client.
6) The Regulator shall coordinate with the First &Third Party and shall ensure that the
interests of both the parties are protected/safeguarded under the provision of this
agreement and no party violates the contractual obligations.
7) The Regulator will coordinate with the Bank and shall maintain record of the Home
Finance granted, repaid and outstanding, through online link with the Bank.

Procedure for submission of application Forms

a) Submission of application
1) Applicants are advised to submit their applications, duly filled in, on the prescribed
application form (Annexed/available on website of PHA) upto the date to be notified in
the Newspapers, in the designated branches of the Bank of Khyber.
2) Applications must be accompanied with the down-payment.
3) Rs. 500 as processing fee (non-Refundable) for all categories of plots.
4) The completed applications will be submitted in person/ through bearer in the
designated branches of The Bank of Khyber
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5) This payment receipt must be kept in safe custody till receipt of allotment order or
refund of advance money in case of unsuccessful applicants.

b) Detail of required documents to be attached with application form.

i. Original application form (Annex-A) duly signed / filled in / complete in all respect with
photograph size (3.5 x 3.5 cm).
ii. Advance Deposit slip duly filled.
iii. Attested copy of CNIC.
iv. A certificate from the Department that the applicant is a regular employee of the Provincial
Government of Khyber Pakhtunkhwa.
c) Refund of unsuccessful applicants.
Refund of advance to unsuccessful applicant will be made after the balloting process is
completed but not later than two months. The refund will be obtained from the same branch of
the BoK where the application was submitted, on the surrender of original application receipt.
The applicant can authorize his/her representative to collect the refund pay slip in the name of
original applicant on the provision of the following.

1) Letter of Authority duly signed by the applicant, as per his/her specimen signatures given
of the original application.
 2) Attested copy of CNIC of applicant.
3) Attested photocopy and original CNIC of the representative.
4) Original receipt duly signed by the applicant on its reverse as per signature on the
application form.
5) The refund pay slip duly crossed as “payees account only” and marked as “not
transferrable” will be issued to the unsuccessful applicants by the locally designated
branches of Bank within 30 days from the date announced by PHA for start of refund.
6) Applicants will have to indicate in the application form the name of one nominee (not a
minor) alongwith his/her relationship with the applicant mentioning National Identity
Card No to whom the refund is to be made in case of death of an unsuccessful applicants.

d) Applications with the following deficiencies are Liable to be Rejected.

1) Any over-writing in the category/plot size columns or circling of more than one category/
plot size.
2) Leaving any of the details un-filled in the application
form. c) Absence of signatures of the applicants.
3) Applications without required documents.

f) Mode of Payment.
1) The cost of plot will be recovered from the bank home finance and shall be deducted at
source under an agreement between Bank-employee-Provincial Housing Authority in the
following manner.
a) Advance Payment as above
b) 20% from first instalment of Bank Home Finance
c) 30% from Second instalment of Bank Home Finance d) Balance from third
instalment of Bank Home Finance.
2) The applicant can pay the cost of plot from his own saving in three instalments as above if
he/she does not want to avail the BHF facility.

e) Miscellaneous:

1) The allotment shall be done by balloting through computer in a transparent

manner.
2) The actual amount of price payable by the allottee will be adjusted on actual
measurement of the plot by the Authority at the time of handing over the possession of
the plot.
3) Construction will be executed by allottees themselves

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4) The construction shall be completed in one year or as agreed with Bank.
5) The house will be constructed according to the designs to be provided by PHA free of
cost.
6) The plot shall not be divided in to two parts, however amalgamation of the plot
shall be allowed with prior permission of the PHA.

7) The allottee can contribute the cost of construction from his/ her own savings.
8) The allottee can obtain partial or full amount of BHF from bank.
9) Provision will be made in the design and structure for vertical construction in future (at least
ground plus two storeys).
10) If for any reason the allottee surrenders the plot to the authority 20% of the deposited amount of
the plot shall be forfeited and the balance amount will be refunded.
11) In case allotment of plot is obtained by giving false information/affidavit, the allotment will be
cancelled and 30% of price of plot shall be forfeited, whenever the factual is brought in the
notice of PHA .
12) On completion of the construction of the house on the plot and fulfillment of the terms and
conditions contained in the Sale Agreement, the Authority on the request of the allottee will
execute conveyance deed in his/ her favour at his/her cost and expense.
13) Intimation shall be given to the Authority in case of devolution of interest in the plot by
inheritance or operation of law.
14) The allottee shall be liable to pay from the date he takes over possession of the plot all the
assessment, duties charges (including betterment and maintenance charges) and imposition
which may now or hereinafter be charged or imposed upon or be payable in respect of the said
plot or anything related thereto by any competent authority (including the PHA) under any law,
rules, regulations, by-law or order for the time being in force.
15) Any officer of the PHA authorized in this behalf shall have the right to enter upon the plot or
building there upon at all reasonable hours of the day in case of any complaints/violations.
16) The allottee shall comply with and abide by the rules regulations, bye-laws, orders or directions
that may be issued from time to time by the PHA or any other concern Authority.
17)The PHA reserves to itself the right to cancel the allotment of any plot, resume its possession
and forfeit 10% of the deposited amount in case of contravention of any condition of allotment
and may also take possession of the building constructed on the plot or any material found
there without any compensation if not removed within a given time.
18) If an applicant, his/her spouse or dependent child/children are declared successful for more
than one plot ONLY ONE PLOT WOULD BE ALLOTTED.
19) The allotted plots and houses would be transferrable after 100% payment to PHA dues subject
to payment of transfer fee and fulfillment of other terms and conditions as may be prescribed by
the authority from time to time.

07
08
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09
 APPLICATION NO.
PROVINCIAL HOUSING AUTHORITY
KHYBER PAKHTUNKHWA
APPLICATION FOR BANK HOME FINANCE (BHF)
FACILITY UNDER KHPAL KOR AFFORDABLE HOUSING SCHEME
FOR ALLOTMENTOFNEWPLOTS TO THEEMPLOYEES
OFTHE PROVINCIAL GOVERNMENT

a) Please use capital letters.

b) Please tick ( ) the relevant box where necessary.
c) No cutting/over writing or ambiguous entries are acceptable.

1. NAME OF THE APPLICANT: MR/ MRS/ MISS

2. FATHER'S/ HUSBAND'S NAME: MR.

3. NATIONAL IDENTITY CARD NUMBER OF THE APPLICANT.

New (NADRA) (Attested Copy to be attached)
- -
4. DATE OF BIRTH:
D D - M M - Y Y Y Y
5. CATEGORY OF PLOT FOR WHICH APPLIED:
(Please refer “Terms & Conditions” and select only one)
5M - 07 M - 10 M - 20M
6. DESIGNATION
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7. BPS:

8. OFFICE NAME

9. DEPARTMENT NAME
10. TELEPHONE NUMBERS: (Please mention city code)
Official -
Residence -
Mobile -

11. PRESENT MAILING ADDRESS:

12. PERMANENT MAILING ADDRESS:

13. NAME OF NOMINEE:

RELATIONSHIP WITH THE APPLICANT:

NOMINEE'S FATHER'S /SPOUSE NAME:

NOMINEE'S NATIONAL IDENTITY CARD NO.

(Attested copy to be attached)

14. Rs. Deposited vide Bank Slip No. Dated in

BOK Branch for Marla plot.

15. Intended amount of Bank Home Finance Rs. -

CERTIFICATE FROM DEPARTMENT HEAD

i. This is to certify that Mr/Ms/Mrs_______________________________________ is
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working as ______________________________________-in this office in BPS ____-
ii. His/Her date of joining in this Office is

Signature of the Applicant