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Product Features


Basic Eligibility Criteria

* Must be Pakistani resident national, having satisfactory credit history.


Products Offered *  Home Purchase - HP (House or Apartment)
*  Home Construction - HC
*  Land Purchase plus Construction - LPC
*  Home Improvement - HI

*  Balance Transfer Facility (BTF)


Income *  For Salaried Class: Minimum net take home may be considered as Rs. 35,000/-

*  For Business Persons & Self-Employed Professionals: Minimum net take home is PKR 150,000/-.


Length of Service *  For Salaried Class: Min 1 year with the current employer and collective & continuous

*  For SEB/SEP: Min: 3 years in the same business


Debt to Equity Ratio *  85:15 for loan upto Rs 25 million
*  75:25 for loan over Rs 25 million
* 40:60 for HI or 5.0 million whichever is lower


Mark-up Rate

*  For Salaried Class - 1 Year KIBOR + 2%

* For SEP/SEB Class - 1 Year KIBOR + 3%


Loan Tenor * Minimum: 3 years Maximum: 25 years (HP/HC/LPC/BTF)

* Minimum: 3 years Maximum: 15 years (HI)


Debt Burden Ratio (DBR)

* Maximum up to 50% (DBR is linked with Net Income)



*NBP conditions apply

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