Hi. This may be a constitutional problem in your Case - esp if your father or brother too had late development of body hair. Chest hair usually develops much later than facial hair in most people. I hope you have no problems with development of any other secondary sexual characters. Don't worry, for the beard areas you can try applying hair growth peptide lotions or minoxidil for about three to six months and see if it helps. Otherwise transplantation from scalp hair is the ultimate option. See a qualified dermatologist near you or send in further queries to follow up chat. Hope this helps. Warm regards Dr Govind Suresh Mittal.