𝐒𝐂𝐀𝐂 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐬 𝐚𝐧𝐝 𝐌𝐢𝐧𝐢𝐬𝐭𝐫𝐲 𝐨𝐟 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐨𝐧 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐅𝐢𝐧𝐚𝐧𝐜𝐞

13–14 August 2026 — The Social and Cultural Affairs Committee (SCAC) of the National Council continued its consultations as part of its ongoing review of the State of Housing in Bhutan: Affordable, Accessible and Sustainable Housing, engaging financial institutions on housing finance and the Government’s role in supporting housing affordability.

𝟏𝟑 𝐀𝐮𝐠𝐮𝐬𝐭 – 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐃𝐫𝐮𝐤 𝐏𝐍𝐁 In the morning, the Committee consulted Druk Punjab National Bank (Druk PNB), which presented its housing finance products and services, including housing loan schemes, interest rates, loan tenure, eligibility requirements and collateral arrangements. Discussions focused on the accessibility and affordability of housing finance, particularly for young people and low- and middle-income households, including loan ceilings, repayment periods and access to finance for home construction, purchase and improvement.

𝟏𝟑 𝐀𝐮𝐠𝐮𝐬𝐭 – 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐌𝐢𝐜𝐫𝐨𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐬 In the afternoon, the Committee consulted three microfinance institutions — Microfinance Bhutan Private Limited (MBPL), RENEW Microfinance and Bhutan Care Credit Limited (BCCL). The institutions presented their loan products, interest rates, loan ceilings, repayment periods, eligibility criteria and collateral requirements. Discussions focused on the role of microfinance in supporting home construction, renovation and repairs, as well as promoting financial inclusion among low-income households, rural communities, women, youth and other underserved groups.

𝟏𝟒 𝐀𝐮𝐠𝐮𝐬𝐭 – 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐌𝐢𝐧𝐢𝐬𝐭𝐫𝐲 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 The Committee consulted the Ministry of Finance on its role in promoting affordable housing within the country’s broader fiscal framework. Discussions focused on fiscal constraints, allocation of public resources, fiscal incentives and the feasibility of housing subsidies, while ensuring equitable and sustainable support in view of competing national priorities.