Habib Bank Limited Loan For Home

A housing scheme offered under the Shariah-compliant guidelines of Diminishing Musharakah mode of financing, offers you a convenient and affordable option to get the house of your dreams

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A Shariah compliant home finance facility enabling you to get the house of your dreams.

KEY FEATURES

  • Purchase of completed residential property, construction of house including land purchase, renovation of house/apartment or replacement (BTF) of existing mortgage facility
  • Financing limit between PKR 2,000,000 to PKR 75,000,000/-
  • Equal monthly instalments
  • Payment tenure from 3 to 25 years
  • Financing up to 70% of property value
  • Property and life takaful

CRITERIA

SALARIED INDIVIDUALS:
  • Applicant must be a Pakistani citizen.
  • Applicant must be 25 years or more at the time of financing application and 60 years or less/ retirement age, whichever is lower at the time of financing maturity.
  • Monthly income must be from PKR 50,000/ or above.
SELF-EMPLOYED BUSINESS PERSONS/PROFESSIONALS:
  • Applicant must be a Pakistani citizen
  • Applicant to be 30 years or more at the time of application and 65 years at maturity of financing.
  • Monthly income must be from PKR 100,000/ or above.
NON-RESIDENT PAKISTANI (SALARIED INDIVIDUALS):
  • Applicant must be a Pakistani citizen.
  • Applicant must be 30 years or more at the time of financing application and 60 years or less/ retirement age, whichever is lower at the time of financing maturity.
  • Monthly income must be equivalent to Pak Rupees PKR 400,000/- or above.

DOCUMENTS REQUIRED

SALARIED INDIVIDUALS TO PROVIDE:
  • Copy of valid CNIC/NICOP/SNIC
  • Two recent passport size photographs
  • Original salary certificate stating date of joining and cadre of employment.
  • Latest three original/attested salary slips
  • Twelve months’ bank account statement where salary is credited.
  • Proof of five years’ occupation (business or profession)
SELF-EMPLOYED BUSINESS PERSONS/PROFESSIONALS TO PROVIDE:
  • Copy of valid CNIC/NICOP/SNIC
  • Two recent passport size photographs
  • Proof of five years’ occupation (business or profession)
  • Bank certificate stating Title/ CNIC#/ Account#/ A/c Opening Date/ Business Entity/ Authorized Signatory Name
  • Bank statement for last 12 months
NON-RESIDENT PAKISTANI (SALARIED INDIVIDUALS):
  • Salaried individuals only
  • Non-Resident Pakistanis residing in GCC countries only (UAE, Saudi Arabia, Qatar, Bahrain, Oman, Kuwait)
  • Applicant must be having Pakistani nationality
  • Applicant must be 30 years or more at the time of financing application and 60 years or less/retirement age, whichever is lower at the time of financing maturity
  • Minimum monthly income must be equivalent to PKR 400,000/-
  • Total 5 years work history (permanent or contractual) with at least 2 years with the current employer

You can also visit one of our branches, call 111-425-425, or click below to apply

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