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Product Features
Basic Eligibility Criteria
All Citizens Holding CNIC
First time owner
One individual can have subsidized house loan facility under this scheme only once
Products Offered
Purchase of a complete residential property (Apartment/Flat/House)
Purchase of plot & construction thereon
Construction on owned plot
Extension/Expansion of self-owned residential property

Categories

&

Size of Unit

Tier 1

Tier 2 Tier 3
(NAPHDA Projects) (Non-NAPHDA) (Non-NAPHDA)

a). House upto 125 square yards (5 Marla) with maximum covered area of up to 850 square feet

b). Flat/apartment with maximum covered area of 850 square feet

a). House upto 125 square yards (5 Marla).

b). Flat / apartment with maximum covered area of 1,250 square feet

a). House upto 250 square yards (10 Marla)

b). Flat/apartment with maximum covered area of 2,000 square feet

Maximum Price of Units

PKR 3.5 million

Above is the Market Value of a single housing unit/Flat or Apartment at the time of approval of financing
No Cap No Cap
Maximum Financing/Debt to Equity (LTV)

LTV up to 90% or
Rs. 2.7 million  whichever is Less

LTV up to 90% or
Rs. 6.0 million  whichever is Less
LTV up to 85% or
Rs. 10.0 million  whichever is Less
Subsidized Mark-up/ Profit Rate
First 5 years = 3% First 5 years = 5% First 5 years = 7%
Next 5 years = 5% Next 5 years = 7% Next 5 years = 9%
After 10 years Bank's Normal Housing Finance rate would apply
Collateral Security Requirement
NAPHDA Projects NON – NAPHDA Projects
Trust will be responsible for the title documents

Mortgage of Residential Property inBank’s Favor Banks charge through Registered/Equitable Mortgage

 

Loan Tenor

Minimum: 5 years

Maximum: 20 years (depending upon choice of customers)

Debt Burden Ratio (DBR)
Maximum up to 45%

 

 Product Features in Urdu

 


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