"Kiraayedar Se Maalik-e-Makaan"
Qarz-e-Hasna Program

Transforming Renters into Homeowners in Pakistan

Every family deserves the dignity, security, and opportunity that come with owning a home. Through our “Kiraayedar Se Maalik-e-Makaan” (Tenant to Homeowner) Qarz-e-Hasna Program, you can help turn the dream of homeownership into a reality for low-income families across Pakistan.

The Problem: Locked Out of Homeownership

Every month, families across Pakistan spend their hard-earned income on rent. This endless cycle drains their limited resources.

“Every month I pay rent… and every month, I start from zero again.”
– Shumaila, Program Beneficiary & Mother of Three

Homeownership enables families to build wealth, gain stability, and improve their overall quality of life. With your support, we’re helping low-income families move from renting to owning—bringing dignity and security into their lives. Let’s break the cycle of renting and help them move toward lasting stability and ownership.

The Solution

"Kiraayedar Se Maalik-e-Makaan" - Asaan Ghar’s Qarz-e-Hasna Program

We’ve launched the Kiraayedar Se Maalik-e-Makaan (Tenant to Homeowner) Qarz-e-Hasna Program—a zero-interest Islamic home loan initiative for families earning less than PKR 70,000 (~USD 250) per month. This philanthropic program empowers deserving families to own a home, a key to wealth creation and long-term stability.

Program Highlights

Islamic Financing: Zero interest, fixed 5% profit rate
Installment = Rent: As low as Rs. 35,000/month
Target Impact: 450+ deserving families
Loan Amount: Up to PKR 2.5 million (~USD 9,000) per family
Property Cap: Homes priced at up to PKR 6 million (~USD 20,000)

Meet the Families You Can Help

Behind every application is a story of strength, struggle, and hope. These are the faces of families who are ready to move towards homeownership.

Shumaila – Widow, Mother of Three

“I’ve lived in rented homes my whole life. I don’t want my children to grow up with the same uncertainty I did.”

Current Rent: Rs. 20,000

Ownership Goal: Stability for her kids

Sana – Widow, Supporting Two Children

“Rent keeps taking and never gives back. Owning a home means peace—not just for me, but for my children.”

Current Rent: Rs. 15,000

Money Saved: Rs. 500,000

Zeeshan – Banker, Denied a Mortgage Himself

“I help people manage their money. But I’ve never been able to invest in a home for my own family.”

Current Rent: Rs. 15,000 | 2 Children

Radhika & Alishba – Sisters Raising a Family

“We’ve always taken care of others. Now we want a place where we all belong.”

Combined Income: Rs. 70,000

Rent: Rs. 20,000

The Impact Your Investment Can Create

Every rupee you invest in the Kiraayedar Se Maalik-e-Makaan Program helps transform renters into resilient homeowners—unlocking a future of dignity, opportunity, and financial security.

This is more than charity. It’s a scalable solution to one of Pakistan’s most urgent challenges—and you can be a part of the change.

What Your Investment Can Achieve

With full funding and program scale, Asaan Ghar Finance has the potential to:

Uplift 150,000+ Lives from housing insecurity
Create 135,000 Permanent Jobs across housing and related sectors
Enable 3,900+ Green Homes powered by affordable solar
Improve Education for 390,000+ Children by reducing forced relocations
Upgrade 1,300+ Schools through improved housing stability in communities

Return on Impact

For every Rs. 1 invested, we project up to Rs. 3 in economic and social value through:

Why Invest in “Kiraayedar Se Maalik-e-Makaan”?

Because it’s more than charity—it has a deep, recurring impact. Our revolving fund model means your investment keeps giving. As families repay, funds are recycled to support even more families.

Your donation is recoverable—you help transform lives while retaining the option to get your investment back.

Make an Investment

Make a recoverable donation to empower homeownership—and get your contribution back.

Partner With Us

Are you an NGO, DFI, Islamic finance institution, or social enterprise? Let’s scale this together.

Prefer a Conversation?

We’re happy to walk you through how your investment can make a lasting difference.

Frequently Asked Questions

Who qualifies for the program?

We work with low-income families who have been renting for several years, have a stable income, and are willing to contribute equity from their savings. Each applicant is thoroughly vetted through a transparent selection process.
What makes this Shariah-compliant?

Our financing model is built on Islamic home financing structures (no riba, no compounding interest). It’s approved under SECP’s Shariah Governance Regulations 2023 and regularly reviewed by our Shariah Board.
Can I track the impact of my investment?

Yes! All investors and donors receive regular impact reports, including case studies, repayment data, and metrics showing how your contribution is making a difference.

Is this a loan or a grant?

This is a recoverable financing model based on Islamic principles (Diminishing Musharakah). It is not a donation or interest-bearing loan. Families repay monthly installments, and the funds are recycled to help others.

What happens if a family can’t make payments?

We conduct affordability assessments and include buffers for income volatility. In exceptional cases, we offer grace periods and restructuring options, prioritizing family security and program sustainability.

Is my contribution eligible for Zakat or Sadaqah Jariyah?

This program qualifies as Sadaqah Jariyah. We also provide customized giving pathways for donors looking to structure their support in line with Zakat eligibility—please contact us to discuss.

Your Path to Homeownership

B-139, Sindhi Muslim Cooperative Housing Society Block-B, Shahrah-e-Faisal,
Karachi, Sindh – 75350

AGFL – NTN 4471867 AGFL – CRN 0175272

House Financing License Number: SECP/LRD/54/AGFL/2022

If your complaint has not been adequately addressed by us, you may lodge your complaint with the Securities and Exchange Commission of Pakistan (SECP). Please note that the SECP will only entertain complaints that were initially directed to the company and remain unresolved. Additionally, complaints that fall outside the SECP’s regulatory domain will not be entertained.

We are members of NBFI Modarbah

Important Links

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Phone: 0213 4300801-3
Email: contact@asaanghar.com

"Kiraayedar Se Maalik-e-Makaan" Qarz-e-Hasna Program