The House Building Finance Corporation Ltd. (HBFC Ltd.), over the last 55 years has gradually and steadily developed as the leading institution for housing finance in Pakistan.

Starting with an initial paid-up capital of Rs.5 million, it expanded its activities necessitating enhancement of its paid-up capital and now paid-up capital is Rs.3.50 Billion. Today, it is the largest housing finance insititution providing investment facility for construction and purchase of house/flats through a large country-wide network of 3 Regional, 12 Zonal and 58 District Offices, 4 camp offices and 25 Representative Offices/Service Agents and 21 more such offices will be opened very soon. Where by adoption of market-going techniques services agents will be appointed.

HBFC Ltd.  has financed over one and half million units for Rs. 41.437 billions, provided housing finance facility to 28 corporate clients for Rs. 1.7 million, made recoveries of Rs. 51.368 billions and has an investment portfolio of Rs. 19.6 billion. HBFC Ltd.'s average annual disbursements and  recoveries are around Rs. 2.5 to 3 billions. At present,  it is handling over 103,736 operative accounts  with work  force  comprising of 864 H&R officers  and  H&R support staff.   The  credit  facilities  of  the  company are  available  throughout Pakistan including Azad Kashmir and Northern Areas.