Introduction

Housing is a basic and fundamental human need. Today, there is a virtual housing crisis in the country. Rapid population growth, overcrowding, shortage of supply, aging housing stock, development of slums and Katchi Abadis, sera city of land and lack of financial resources has further aggravated the situation.

Pakistan is the seventh-most populist country in the world. According to the 2017 census, its population is 207.7 million and has grown at the rate of 2.4 percent per year in the intercensal period. Its urban population, on the other hand, has grown at the rate of 2.7 percent per year during the same period and is estimated at 75.5 million. According to the 2017 census, total number of housing units throughout the country was 32.2 million. 63.6% housing was in rural areas and 36.4% in urban areas.

As per Provisional results of 2017 census, the urban population shows a growing trend with 36.4% of the population living in urban areas. The comparative position of Provinces and Areas shows similar trend in urban population with a slightly higher increase in Punjab. On the other hand, a significant decrease has been observed in the percentage of Urban population in ICT which gone down from 65.72% to 50.58%, indicating that growth occurred in the rural areas of Islamabad. Amongst the provinces, Sindh is the most urbanized province, where 52.02% population lives in Urban areas.

Federal Government Employees Housing Foundation (FGEHF) was established as a cell in Ministry of Housing & Works in 1989 and on 26th March 1990 it was registered as a guarantee limited company with Securities & Exchange Commission of Pakistan under section 42 of Companies Ordinance 1984. The erstwhile FG Employees Housing Foundation has been established as Federal Government Employees Housing Authority through Ordinance promulgated on 12th July, 2019 by the President. Purpose of FGEHA is to initiate, launch, sponsor and implement housing schemes for Federal Government Employees on ownership basis in all major cities of Pakistan to eradicate shelterlessnes in Federal Government Employees and to make and assist as far as possible each of them to have a house at the time of retirement or earlier.

FGE Housing Authority allotted 22642 number of units to its members from 1989 to 2013 (19458 plots, 1595 houses & 1589 apartments) in Islamabad, Peshawar and Karachi. Whereas from 2014 to 2018 FGE Housing Authority planned/allotted 26795 number of units (23833 plots & 2962 apartments) to its registered members under Membership Drive Phase-I (Aug-2009 to Feb-2014) and Membership Drive Phase-II (Apr-2015 to Sep-2019) in various housing schemes in Islamabad in various ongoing schemes.