Also, the bank or DFI’s exposure in low cost housing is not to be included for calculating the real estate exposure limit (i.e. 10percentof advances and investments). The Financing Facility for Low Cost Housing for Special Segments is a scheme designed to benefit widows, children of martyrs, special persons, transgender persons, and persons in areas severely affected by terrorism.
Under this facility, SBP shall  provide refinance against subsidized low-cost housing financing extended by banks and DFIs. Among its salient features, the scheme will have a 5 percent borrower rate, including the bank’s spread of up to 4 percent. Loan amounts up to Rs.