Creating home directories for new users can be a difficult task and specially in a LDAP-based environment, but most PAM installations have the option to create a new home directory before the user logon is completed. Debian also ships the module mpam_mkhomedir, but without a manifest to set it up correctly. Bug 640918 covers this issue, but for now creating the file /usr/share/pam-configs/mkhomedir with the content below resolves the problem.
Name: Create home directory on first login Default: no Priority: 0 Session-Type: Additional Session-Final: required pam_mkhomedir.so umask=0027
After creating the file, the command below updates the PAM-config to create the home directory when a users home directory doesn’t exist. In the example configuration above the default umask is 0027 so only the user and group will have access to the home directory.
$ sudo pam-auth-update --package mkhomedir
By default the configuration in /etc/skel is being used to create a new home directory. This is a point of attention when the user needs files and/or directories when the user logs in and an example of this may be a Maildir for receiving mail.