Abstract
Affordable housing has become a hot topic since the new government has come into power. Their manifesto of providing 5 million (one million each year) houses has cherished everybody especially the low-income people. This study investigates the affordable housing scheme announced by the Government of Pakistan with the help of the banking sector- issues and challenges from customer’s perception. The research was based on interviews and questionnaire design. A convenient sampling method was used in selecting the respondents from low and middle-class inhabitants in different areas of Karachi city, Pakistan who were interested in borrowing the amount for house mortgage under the Naya Pakistan Housing Development Authority (NAPHDA).
 
 Sample of the research comprised 400 respondents using the convenient sampling method. The result of the survey showed a couple of problems/ reservations from consumer’s perceptions regarding the validation of this scheme. This paper highlights the key issues and challenges and possible ways out in order to make affordable housing for everyone possible.
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