Housing’s tough challenge
By Dr Noman Ahmed
THE United Nations commemorates World Habitat Day on the first Monday of October every year, thus providing an opportunity to take stock of the housing and shelter situation and community issues across the globe. In Pakistan, the status of human habitat is far from satisfactory.
Conservative statistics inform us that there is a shortage of more than 19.3 million housing units in the country.
This figure keeps increasing with each passing year. It is disappointing to note that while knowledge about habitat-related issues has increased substantially thanks to research and documentation by various institutions, the response of policymakers has been inadequate. This betrays a lack of awareness of the nature and magnitude of the problem.
It is officially recognised that more than half the population in Pakistan subsists on less than two dollars a day. The capacity to build up any monetary asset to acquire shelter of even a basic kind is simply non-existent. People survive either as nomads or dwell in the wild terrains of various regions.
The breakdown of the village economy — which was largely barter-oriented — has had a grave impact on the marginalised population. The landless artisans and labourers do not find sustainable access to land for housing. They keep moving from place to place.
Natural calamities, disasters and security hazards have also uprooted thousands of people from their native habitat. Pakistan’s continued participation in the war on terror has caused sizable displacement of many communities from the central tribal belts of the NWFP and northern Balochistan.
Amongst other problems, shelterlessness is the most traumatic issue and people are confronted with forced dislocations on a massive scale. Small wonder that these areas are in the grip of deadly violence, given the presence of a large number of socially uprooted and psychologically disturbed people.
Urban centres face acute problems spawned by squatter settlements which have emerged in all major towns and cities. These are the people’s response to the state’s failure to address the housing needs of the poor.
As state land was abundant, many katchi abadis sprang up on these loosely guarded territories. Landlords in peri-urban areas also encouraged the growth of katchi abadis for their own benefit. With the passage of time, options of any affordable housing for the poor have simply vanished.
Burgeoning land prices, high construction costs, very low savings/capital accumulation among the needy groups and the absence of housing credit facilities are some of the reasons that make it difficult for a person from the low-income classes to even aspire for a properly constructed house.
In the case of Karachi, one factor adversely affecting habitat is the in-migration from various backward regions that continues even today at a very high pace. Much of this incoming population is absorbed within the confines of existing katchi abadis.
Admittedly, one cannot ignore the squalor and dilapidated conditions that currently prevail in the squatter settlements. But they at least provide a roof above the head for people who arrive in the city in search of a job. This demands a people-friendly approach and the upgradation of these abadis.
The housing problem of the low- and middle-income groups has assumed serious proportions. According to recent statistics, these groups constitute around two-thirds of the total population of the country. Their large numbers notwithstanding, they face an acute shortage of housing choices.
With very limited financial means, they find it extremely difficult to sustain their white-collar lifestyles. In the absence of affordable land, lack of credit facilities, the absence of proportional technical and managerial support, gaining access to housing appears to be an elusive goal.
The prices of housing and land which is available have shot up in recent years. For example, an apartment measuring 1,200 square feet in Gulshan-i-Iqbal in Karachi, which had a price tag of Rs1.5m about a year ago, is now being sold for Rs2.5m.
Similarly, land supply and development is mostly done in high-income areas where the property market is experiencing a meteoric rise. Undeveloped land is being rated at Rs12,000 — Rs15,000 per square yard. The unbounded speculations in land and property markets are acting as a catalyst in this phenomenon. No new scheme for low-income groups has been launched since 1979 in Karachi.
The poor or low-income groups either walk away from such schemes or consider them a waste of time and resources. Scores of research studies have established that housing and community development cannot be achieved by creating extraordinary stimulus in real estate markets. Both of these sub sectors have an entirely different clientele.
Land supply is the primary factor that has an impact on habitat. Land was traditionally considered a social asset. Now it is treated as a saleable commodity.
Another major change is the growing inability of the government to influence what is now termed as the land market. Since decisions related to land supply and transactions involve a widely dispersed cadre of stakeholders, the mechanics of land delivery for housing and other functions are determined in proportion to the relative influence exercised by each category of stakeholders.
Thus the armed forces, their foundations and countless enterprises; real estate investors from the country and abroad; international financial institutions; political groups; communal, ethnic and religious lobbies; transporters and civilian bureaucracy are some prominent categories of stakeholders that directly affect decisions pertaining to land.
It is obvious that neither the poor nor their well-wishers figure in any of these categories. The outcome is clear. The choices, formats and typologies of housing development are undertaken in an entirely self-fulfilling manner without any trace of social justice towards the really needy groups.
Evidence of this manifests itself in the scores of real estate schemes announced in different parts of the country under the garb of providing housing for those who are really needy. A few basic measures need to be adopted without delay. Credit must be provided to the poor and the needy to enable them to gain access to land for effective and equitable utilisation. Effective checks must be applied to the snowballing rise in real estate development.
Appropriate changes must be introduced in the zoning and building regulations to promote mixed land use in an effective manner. The old principle of cross subsidy must be re-introduced where land and housing prices may be augmented by the levies on real estate enterprises.
It must be remembered that no urban and regional security and prosperity can be achieved in conditions when more than half the population is denied the right to a decent roof above their heads.

