Understanding Mera Pakistan Mera Ghar

Buying a home on mortgage is quite easy in the western developed countries, such as the USA, Canada and the UK. These countries have a massive home buying, mortgaging and refinancing infrastructure that has been digitized for the customers’ benefit. The land records and income verification processes are also quite easy to complete.

If that wasn’t enough, the interest rates in the west have been remarkably low in the past decade. Ever since the financial crisis of 2007-2008, the US FED rate has been around 1 to 4 percent. This makes the cost of borrowing very cheap for home loan.

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Benefits of Buying Your Own Home

Buying and owning your own home is the dream of millions of people across Pakistan. There are plenty of great benefits of buying and living in your own home. Perhaps the most important of them is the ease of mind that you get with the knowledge that you cannot be evicted by the landlord.

One of the first things you need to do to buy your own home is to identify whether owning your own home is the best thing for you. Just as you consider the benefits of any important decision in life, the same is true of buying your own home. Is it worth the investment?

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Buying Your Own Home vs. Renting Out

Buying your own home vs renting out can be a tough decision. Both options have their own pros and cons.

Purchasing your own home is a good option if you are planning to settle down and stay in one place for a long time. It helps you build equity and a long-term asset that can give you financial security in life.

Renting a property has its own benefits. You do not need to put down a significant amount in down payment. You are also free to move and transfer to a different part of the city, or country.

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Shifting Landscape of Home Financing In Pakistan

In the last several years, the Government of Pakistan and the State Bank of Pakistan have made several moves to make the process of home financing easier for consumers. For example, some of the borrower qualification criteria has been eased up.

The government has also pushed banks and financial institutions to improve the home financing assets in their portfolio. According to news sources, regulators are looking to increase home financing to at least 5% of the total private sector credit.

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CI/CD at Trellis HFL​

At Trellis Housing Finance Limited, we are building our systems using the latest technology principals. In this blog, we will discuss our CI/CD process. DevOps and CI/CD are two related terms that are loosely defined with a variety of opinions on what they represent. I like the Wikipedia definitions:
  • Continuous integration (CI) is the practice of merging all developers’ working copies to a shared mainline several times a day.” https://en.wikipedia.org/wiki/Continuous_integration
  • Continuous deployment (CD) is a software engineering approach in which software functionalities are delivered frequently through automated deployments.” https://en.wikipedia.org/wiki/Continuous_deployment
  • Continuous delivery (CD) is a software engineering approach in which teams produce software in short cycles, ensuring that the software can be reliably released at any time and, when releasing the software, without doing so manually.” Also, “[Continuous Delivery] contrasts with continuous deployment, a similar approach in which software is also produced in short cycles but through automated deployments rather than manual ones.” https://en.wikipedia.org/wiki/Continuous_delivery
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Meet Our Chief Risk Officer

Presenting the second episode of our Meet Team Trellis series, where we sit down with our Chief Risk Officer, Zain Sharif.

Zain has worked across different areas in the financial industry. Starting his journey on Wall Street, with J.P. Morgan, Zain moved to Alphadyne Asset Management, New York. Zain is now based in Geneva.

We asked Zain to share his vision for Trellis, and how he and his team have been dealing with the unique challenges that come with setting up Trellis Housing Finance Limited in Pakistan, especially from a risk perspective.  

Meet Our CEO & Co-founder

Presenting the first episode of our Meet Trellis series, where we sit down with our CEO & Co-founder, Jamshed H. Meherhomji.

Jamshed brings over ten years of experience of working across various teams and roles at the prestigious J.P.Morgan Bank in London.

In this video, Jamshed shared his vision for Trellis, and why he thinks Trellis Housing Finance Limited is the need of the hour in Pakistan.