Frequently Asked Questions (FAQs) – PHA-F Membership (I-12/1 Islamabad Project)

1. Who is eligible to apply for PHA-F Membership?

PHA-F Membership is open to:

• Federal Government Employees
• General public, including:
  • Pakistani citizens
  • Residents of Azad Kashmir and Gilgit Baltistan
  • Overseas Pakistanis

Applicants must be 18 years or older with a valid NADRA CNIC.

2. What is the membership fee?

• Federal Government Employees: Rs. 5,000 (non-refundable)
• General Public: Rs. 25,000 (non-refundable)

Note: Valid only for the I-12/1 Project, Islamabad.

3. Where should I submit the membership form?

Submit the completed membership form along with the required documents and payment at the Head Office of PHA Foundation, Islamabad.

4. How should the application form be filled out?

• Use CAPITAL letters
• Fill all entries in English
• Avoid cutting, overwriting, or ambiguous entries

5. What documents are required with the membership form?

• Latest passport-sized photograph, attested by a gazetted officer
• Attested copy of CNIC, also pasted on the form
• For overseas Pakistanis: Attested copy of passport
• Demand Draft(s) for:
  • Membership Fee: Rs. 5,000 or Rs. 25,000 (based on category)
  • Documentation Charges: Rs. 15,000 (non-refundable)

6. To whom should the payment be made?

All payments must be made via Demand Draft in favor of:
“PHA Foundation, Islamabad”

7. Can I use a photocopy of someone else’s CNIC or passport?

No. You must submit your own CNIC or passport (for overseas Pakistanis), duly attested by a gazetted officer.

8. Does the signature on the form matter?

Yes. Your signature must match the one on your CNIC.

9. Is the documentation or membership fee refundable?

No, all fees (membership + documentation) are non-refundable.

10. Can overseas Pakistanis apply?

Yes, provided they:

• Are 18 years or older
• Have a valid NADRA CNIC
• Submit an attested copy of their passport

1. Who is eligible for allotment?

All Pakistani citizens, including those from Gilgit-Baltistan (GB) and Azad Jammu & Kashmir (AJK), are eligible for allotment through software balloting.

2. Is the cost of the apartment fixed?

No. The tentative cost is subject to change due to:

• Market escalations
• Consultancy or service charges
• Statutory taxes
• Utility connection charges (gas, water, electricity)

The final cost will be determined based on actual project expenses.

3. What is the payment schedule for the apartment?

• 50% of the cost is payable as down payment with the application form.
• The remaining 50% is payable in six equal quarterly installments.
• An enlistment/processing fee (non-refundable) is also required:
  • Rs. 5,000 for Federal Govt Employees
  • Rs. 25,000 for General Public

4. Are there any penalties for late payments?

Yes. Late payments are subject to:

• 1% per month delay charge (calculated daily)
• Potential cancellation after 3 missed installments and 3 notices

5. Will I receive reminders for installment payments?

No. No reminders or call-up notices will be issued. Allottees must strictly follow the payment schedule issued in the offer letter.

6. How should payments be made?

Payments must be made via Demand Draft/Pay Order in favor of PHA Foundation.
No cash payments are accepted at the office.

7. What can lead to cancellation of an apartment?

• Non-payment of 3 consecutive installments
• Providing false service information
• Violation of PHA community by-laws
• Not taking possession within 6 months of offer
• Unauthorized alterations or constructions

8. What happens if my apartment is cancelled?

• 10% of the deposited amount is deducted.
• Refund is only issued after the apartment is re-auctioned.
• PHA Foundation may dispose of the apartment as per policy.

9. Can I alter or modify the apartment?

No. Any internal or external modification is strictly prohibited without CDA/PHA-F approval. Violations can result in cancellation.

10. Can I use the apartment for commercial purposes?

No. Apartments are strictly for residential use only.

11. Will PHA Foundation help in maintenance?

• Minor defects will be fixed free of cost for 1 year after possession.
• Routine maintenance is the responsibility of the allottee.

12. Can PHA Foundation shift my apartment allotment?

Yes. PHA Foundation reserves the right to relocate the allotment to a different apartment or project due to any unforeseen reasons.

13. Will I earn any profit or markup on payments?

No. PHA Foundation does not offer any bank profit or markup:

• On early payments
• In case of project delays
• If the project is closed or withdrawn

14. How is communication handled?

All correspondence will be sent to the postal address mentioned in your form.
It is your responsibility to inform PHA of any address changes.

15. What is the verification process?

PHA will verify your service details through your parent department. A provisional allotment letter will only be issued after verification.

16. What if a disaster affects the project?

PHA Foundation is not liable for any losses due to natural calamities or disasters.

17. When is the formal allotment letter issued?

Only after clearance of all dues and on request from the allottee.

18. Can a nominee claim ownership?

No. The nominee mentioned in the form is only for contact purposes if the allottee is unreachable.

1. What is the PHA Foundation?

The Pakistan Housing Authority Foundation is a government body under the Ministry of Housing & Works that develops affordable housing schemes for federal employees and the general public.

2. Who is eligible to apply for PHA housing schemes?

Eligible applicants include:

• Federal and provincial government employees
• Retired employees
• Armed forces personnel
• General public (as per scheme-specific criteria)

3. How can I apply for a PHA housing unit?

Applications are accepted online through the official PHA website or manually (if allowed) during scheme announcements. Follow the procedure outlined in the advertisement.

4. What documents are required for the application?

Required documents typically include:

• Copy of CNIC
• Recent salary slip or pension proof
• Service certificate (for employees)
• Passport-size photographs
• Domicile certificate (if applicable)

5. What is the procedure for allotment?

Allotments are made through a transparent balloting process or on a merit basis, depending on the scheme.

6. What are the payment and installment terms?

PHA offers flexible payment and installment plans for various income groups. Details are provided in the scheme brochures.

7. Can an allotted unit be transferred?

Yes, after full payment and possession (as per PHA policy), an allotted unit can be transferred to another eligible person.

8. How can I check my application or allotment status?

Visit the PHA website and check your status using your CNIC or application number. Alternatively, you may contact the PHA office.

9. What happens if I miss an installment?

Late payments may incur penalties. Continued non-payment can result in cancellation of the allotment. Please contact the finance department for assistance.

10. How can I contact the PHA Foundation?

Website: https://pha.gov.pk
Phone: 051-9206036
Email:[email protected]
Visit: PHA Head Office, Shaheed-e-Millat Secretariat, Islamabad or Regional PHA Office

FAQs on Online Payment (Maintenance & Installments)

1. Can I pay my maintenance charges or installment online?

Yes, PHA offers online payment facilities for maintenance charges and housing installments through designated bank portals or mobile banking apps using PSIDs.

2. Which banks or payment gateways are available for online payments?

Payments can be made via:

• All designated commercial banks (e.g., HBL, UBL, MCB – as notified by PHA) under 1link/1Bill
• Online banking portals
• Mobile apps (e.g., JazzCash, Easypaisa – if integrated)

3. How do I know my due amount and payment schedule?

You can log in to the PHA customer portal or contact the finance department to check your outstanding balance and due dates.

4. Will I receive a confirmation after making an online payment?

Yes, you will receive a confirmation receipt via email or SMS, and the portal will reflect the updated payment status.

5. What if I accidentally pay the wrong amount or duplicate payment?

Contact the PHA Finance Wing immediately with proof of payment. The excess amount may be adjusted in future installments or refunded per policy.

6. Is there a late fee for missing online installment payments?

Yes, delays beyond the due date may incur a late payment surcharge as per PHA’s financial policy.

7. Can I download my payment history?

Yes, your payment history and receipts can be downloaded from the online portal or requested from the accounts department.

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آن لائن ادائیگی سے متعلق اکثر پوچھے جانے والے سوالات

1. کیا میں مرمت چارجز یا اقساط آن لائن ادا کر سکتا ہوں؟

جی ہاں، پی ایچ اے آن لائن ادائیگی کی سہولت فراہم کرتا ہے جس کے ذریعے آپ مرمت چارجز اور ہاؤسنگ اقساط ادا کر سکتے ہیں۔

2. کون سے بینک یا گیٹ وے استعمال کیے جا سکتے ہیں؟

آپ درج ذیل طریقوں سے ادائیگی کر سکتے ہیں:

• مخصوص کمرشل بینک (جیسے HBL، UBL، MCB – جیسا کہ PHA کی ہدایات میں ہو) یا 1Link/1Bill
• آن لائن بینکنگ
• موبائل ایپس (جیسے JazzCash، Easypaisa – اگر انضمام ہو چکا ہو)

3. میں اپنے بقایاجات اور ادائیگی کا شیڈول کیسے معلوم کروں؟

آپ PHA کے کسٹمر پورٹل میں لاگ ان کر کے یا فنانس ڈیپارٹمنٹ سے رابطہ کر کے اپنی واجبات اور تاریخیں معلوم کر سکتے ہیں۔

4. کیا آن لائن ادائیگی کے بعد تصدیق ملے گی؟

جی ہاں، آپ کو ای میل یا SMS کے ذریعے تصدیق نامہ موصول ہو گا، اور آن لائن پورٹل پر آپ کی ادائیگی کی تفصیلات بھی ظاہر ہوں گی۔

5. اگر غلط رقم ادا ہو جائے یا دُہری ادائیگی ہو جائے تو؟

براہ کرم فوری طور پر فنانس وِنگ سے رابطہ کریں اور ادائیگی کا ثبوت فراہم کریں۔ زائد رقم کو اگلی قسط میں ایڈجسٹ یا پالیسی کے مطابق واپس کیا جا سکتا ہے۔

6. اگر قسط دیر سے ادا کی جائے تو کیا جرمانہ ہوگا؟

جی ہاں، مقررہ تاریخ کے بعد ادائیگی کرنے پر لیٹ فیس عائد کی جا سکتی ہے، جو مالی پالیسی کے مطابق ہو گی۔

7. کیا میں اپنی ادائیگی کی مکمل تفصیل حاصل کر سکتا ہوں؟

جی ہاں، آپ اپنی ادائیگی کی مکمل تاریخ اور رسیدیں آن لائن پورٹل سے ڈاؤن لوڈ کر سکتے ہیں یا اکاؤنٹس ڈیپارٹمنٹ سے حاصل کر سکتے ہیں۔