TRELLIS HOUSING FINANCE LIMITED
Trellis Housing Finance Limited is a Housing Finance Company, providing a solution to Pakistan’s home affordability crisis through home financing to low and middle income households.
“Transforming lives through low-cost
housing finance.”
Lean Operational Model
Market differentiating agency based social development model, partnering with existing MFI’s & Business Process Outsourcing vendors that have decades of entrenched social networks and experience of working in local markets..
Risk Management
Our strength lies in our risk mitigation. Our proprietary scoring model is based on best practices observed from other countries with large informal economies and developing home lending market. We are the first specialised private lending institutions in Pakistan to cater to the very low-income and informal employment customer mass market.
Partner Eco System
We are looking to create meaningful partnerships with suppliers which will facilitate the provision of affordable, high quality homes following Green Building Standards, Solar Energy, Water treatment and Waste Management Services to our customers.
Our Product Offering
Trellis Housing Finance Limited is committed to providing home financing to low and middle income households though our flagship, GharHo programme. Under the umbrella of GharHo, THFL has introduced three different types of financing options, that are based on the Islamic Finance principles of Diminishing Musharakah (joint ownership):
Maximum home value: Rs 30 lakhs
Maximum home financing amount: Rs 25 lakhs
Maximum Trellis contribution: 85%
Minimum Customer contribution: 15%
Maximum Financing Duration: 25 years
The Trellis and Customer contribution will be jointly used to
purchase the property.
We can also provide financing for the purchase of the residential
plot (which will be for construction only).
Maximum of 6 months will be allowed to start construction on the
land (?)
All construction plans will need to be pre-approved when applying
for the loan.
Maximum home value: Rs 30 lakhs
Maximum home financing amount: Rs 25 lakhs
Maximum Trellis contribution: 85%
Minimum Customer contribution: 15%
Maximum Financing Duration: 25 years
The Customer contribution will be utilised first and then the
Trellis contribution will be used towards construction costs.
Maximum home value (after renovation ?): Rs 30 lakhs
Maximum home financing amount: Rs 25 lakhs
Maximum Trellis contribution: 85%
Minimum Customer contribution: 15%
Maximum Financing Duration: 25 years
The Customer contribution will be utilised first and then the
Trellis contribution will be used towards renovation costs.
A Unique Social Impact Investment
We see Trellis’ social impact beyond simple home financing solutions. We believe that providing access to housing helps pull customers out of poverty and transforms their lives for the better.
Our Partner Eco System
