Public Awareness

The biggest challenge in Pakistan today is not just unemployment. It is the widening gap between income and survival. Over the last decade, salaries have increased on paper. But the cost of living has increased much faster. From rent and fuel to groceries, healthcare, utilities, and children's education, the average household is under constant financial pressure. A salary that once supported a decent middle-class lifestyle is now barely enough to cover monthly essentials. 2016 vs 2026: A Reality Check Ten years ago, many middle-class families could manage household expenses, educate their children, save a portion of their income, and even dream of owning a home. Today, despite earning significantly more, many families find themselves under greater financial stress. The alarming reality is that while incomes increased by roughly 2 to 3 times, many essential expenses increased by 4 to 6 times. In simple terms, people are earning more money but purchasing less with it. The Real Cost o...

  The Dream of Home Ownership Is Slipping Away For millions of Pakistanis, owning a house is no longer just difficult — it is becoming nearly impossible. Not because people are unwilling to work hard. Not because families do not save money. The real issue is that property prices increase far faster than incomes. By the time an average person gathers enough savings for a down payment, inflation and rising real estate prices have already pushed the dream further away. In Pakistan’s economy, salaries move slowly. But inflation, construction costs, and property values never wait. --- Why Government Housing Schemes Attract the Middle Class To address this growing crisis, the government introduced housing finance schemes such as the “Apna Ghar Scheme,” presenting them as an opportunity for middle-class families to finally own a home. At first glance, these schemes appear highly attractive: Low financing rate of 5% for the first 10 years Long repayment tenure Special focus on first-time h...