GHAR SAHULAT SCHEME
Let us help you buy
or purchase your
home in Pakistan
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Making Home Loans Simple and Hassle-free
Are you looking to buy your own house? Do you have it all figured out? Saving to buy your first home can be a challenge, but that is why we are here to sort out your financial woes for you.
We take great pride in making our customers dream homes come a reality for the last seven decades.
If you have always dreamed of having, a home of your own, now is the time to make your dreams a reality.
HBFC Home Finance Loan can be availed to buy or build a house/apartment anywhere in Pakistan through our affordable and flexible financing options.
Key Features
| Purpose | Construction and Purchase of House/Apartment |
| Income Criteria | Verifiable net disposable monthly income |
| Financing Amount | Up to PKR 30 Million |
| Financing Tenor | 3 — 20 years |
| Markup Rate | For Salaried Individuals 01 Year KIBOR * + 3.00% *KIBOR rate will be taken of the last working day of previous month * Yearly re-pricing on each anniversary of financing. For Self Employed Businessman / Professionals Self Employed Businessmen 1 Year KIBOR* + 3.50% Self Employed Professionals 1 Year KIBOR* + 3.50% *KIBOR rate will be taken of the last working day of previous month *Yearly re-pricing on each anniversary of financing PKRV 5 Year PKRV + 4.00% for first 5 years 5 Year PKRV + 4.00% or 1 Year KIBOR + 4.00% for remaining tenor |
| Loan To Value (LTV) Ratio / HBFC's Share | Up to 85% of the market value of property |
Eligibility Criteria
| Citizenship | Resident Pakistani/Non Resident Pakistani |
| Age | For salaried Individuals: 23-60* years *Age at the time of maturity of facility For SEB/SEP: 27-65* years *Age at the time of maturity of facility |
| Total Years in Employment / Business | Salaried Permanent Government Organization: 1 Year Private / Public Organizations: 3 Years Contractual Government Organization: 3 Year Private / Public Organizations: 4 Years Self Employed Businessman / Professionals SEB 3 Years & minimum 2 Years in current Business SEP 3 Years |
Customer Information Form
| Customer Information Form | Download |
Documents Required for Prior Approval
| 1 | Customer Information Form |
| 2 | Copy of CNIC |
| 3 | Copy of Salary Certificate(mentioning job status & tenor of employment) |
| 4 | Copy of latest 04 months Salary Slips |
| 5 | Copy of latest 01 year Bank Statement of Salary A/C |
| 1 | Customer Information Form |
| 2 | Copy of CNIC |
| 3 | Copy of latest 02 years Bank Statement of Personal & Business accounts along with Account Maintenance Certificate |
| 4 | NTN Certificate |
| 5 | Latest 03 Years Tax Returns |
| 6 | Ownership Documents / Tenancy Agreement of Business Premises |
| 7 | Copy of Professional Degree/Certificate (incase of SEP) |