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List of Required Documents

Documentation Requirement

(Salaried Segment)

Original / Copy
Loan Application Form (LAF) along with CF Undertaking Original
Product Disclosure Sheet Original
Valid CNIC of applicant & Co-partner (where applicable) Copy
2 passport size color Photographs of applicant & Co-partner (where applicable) Original
Undertaking for first time homeowner  Original
Title Document of the property to be mortgaged Copy
Direct Debit Authority (DDA) & Employer’s certificate mentioning that payroll account maintenance shall continue with the lending Bank (where applicable) Original
Formal Sector Employees

Proof of Employment (along with length of employment) for example:

- Employment letter or

- Employment Certificate or

- Any valid documentary evidence from employer

Original / Copy

Income Proof document (salary breakup and deductions to be clearly mentioned) for example:

- Current Salary Slip or

- Salary Certificate 

Note:

-Maximum of 60 days old salary slip may be accepted

-Online / e-salary slips are acceptable with positive verification

-Original salary slip / e-slip does not require stamp or sign.

Original / Copy
Informal Sector Employees In case customer is employed in informal sector, one of the following documents shall be required to assess customer based on proxy income or repayment surrogates, for example:  
- Rent Agreement or Copy
- Rent Payment declaration or Original
- Utility Bills or Copy
-School Fee Challan or Copy
- Any other valid expense document (as per defined Income proxy) Copy

 

Documentation Requirement

(Self Employed)

Original / Copy
Loan Application Form (LAF) along with CF Undertaking Original
Product Disclosure Sheet Original
Valid CNIC of both applicant & Co-partner (where applicable) Copy
2 passport size colour Photographs of applicant & Co-partner (where applicable) Original
Direct Debit Authority (DDA) (where applicable) Original
Undertaking for first time homeowner  Original
Title Document of the property to be mortgaged Copy
Formal Sector Self Employed Proof of Business (stating ownership and length of business) for example:  
Partnership Deed or Copy
Bank Certificate for Sole Proprietor / Partnership or Original
NTN Certificate or Copy
Rent agreement of office or Copy
Professional Degree / Diploma &/OR Valid Membership of applicable Professional body or Copy
Any other valid acceptable business document verifiable from authority fulfilling minimum business tenor requirement. Copy / Original

Income assessment document

- Account Maintenance Letter along with last 6 months Bank Statement

Notes:

-Maximum of 60 days Bank statement may be accepted

-Original Bank statement with bank stamp

Original
Informal Sector Self Employed In case customer is employed in informal sector, one of the following documents shall be required to assess customer based on proxy income or repayment surrogates, for example:  
Rent Agreement or Copy
Rent Payment declaration or Original
Utility Bills or Copy
School Fee Challan or Copy
Any other valid expense document (as per defined Income proxy) Copy

 

Documents for Bank’s Internal Use
Original / Copy
Income Estimation / Repayment calculation sheet as per applicable proxy / surrogate Original
Bureau Reports Original
Residence / Workplace / Document Verification Report including collateral verification Original
World Check & NACTA Checks  
NADRA Verysis Original
Property Appraisal Report  Original
Preliminary Legal Opinion  Original
Final Legal Opinion Original
Property Insurance-Mandatory Original
Mortgage Life Insurance-Mandatory  Original

 

 List of Required Documents Urdu

 


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