Living and working outside Pakistan is no more a limitation in financing your house in the homeland. MCB Bank is now facilitating non-Resident Pakistanis to purchase their own home in Pakistan. The loan is being offered at very competitive markup rates and a discounted pre-payment charges; should you decide to unwind your loan. A broad financing range of PKR 50 million (and higher) can also be applied. For more details, please click on the following icons.

Property Purchase - Bank Financing

General Criteria:

  • All non-resident RDA accountholder having valid NICOP / POC
  • Salaried (Permanent/Contractual) and Non-Salaried individuals
  • Age requirement; for Salaried 20- 60 years and Non-Salaried: 20-65 years
  • Income criteria; 50% of net disposable income

Financing with Lien:

  • Lien against Roshan Digital Account balance and Naya Pakistan Certificate
  • Lien marking up to the extent of finance amount
  • Minimum one year overall employment / business length
  • Financing tenure from 3 to 25 years
  • Minimum financing PKR 0.5 million and no upper cap for renovation and building/purchasing a new house
  • Co applicant is optional at the discretion of applicant however applicant must nominate a person i.e. Nominee in the absence of co-applicant who can be lawyer, a relative, or a friend to facilitate the transaction in Pakistan

Financing without Lien:

  • Minimum overall employment / business tenure will be two years
  • Financing tenure from 3 to 25 years
  • Minimum financing PKR 0.5 million up to PKR 10 million for renovation and no upper cap for building/purchasing a new house
  • Co-applicant is mandatory and can be any one of the immediate family members including spouse, parents, adult siblings & children living in Pakistan

Government Markup Subsidy Scheme (GMSS):

  • Currently not a house owner
  • Facility can be availed one time only
  • Financing tenure from 5 to 20 years
  • Minimum overall employment / business tenure will be two years
  • Financing up to PKR 10 million (conditions apply)

Salaried Individual:

  • Copy of Co-Applicant's CNIC/ NICOP
  • Passport-sized colored photographs of applicant and co-applicant(s) each
  • Employer's certificate including tenor/designation/renumeration details
  • Employment Contract (if applicable)
  • Last three-month salary slip
  • Bank Statement - last 12 months (Original OR duly attested by the bank with stamp / notary public) through embassy
  • Copies/ details of any financing facility being availed in the country of employment or in Pakistan
  • Copies of last 2 years tax documents where applicable
  • Credit Bureau Report of stay country

Non-Salaried Individual:

  • Copy of Co-Applicant's CNIC/ NICOP
  • Passport-sized colored photographs of applicant and co-applicant(s) each
  • Valid Business Proof
  • Bank Statement - last 12 months (Original OR duly attested by the bank with stamp / notary public) through embassy
  • Copies/ details of any financing facility being availed in the country of employment or in Pakistan
  • Copies of last 2 years tax documents where applicable
  • Credit Bureau Report of stay country


Following pricing will be will be applicable for variants other than GMSS

Variable Rate

  • Without-Lien 1-year KIBOR + 1.5%
  • With-Lien 1-year KIBOR Only

Fixed rate (5- Years) (where applicable)

  • Without-Lien 5yr PKRV + 1.50%
  • With-Lien 5yr PKRV Only


  • For fixed rate regime, customer will have an option to choose either to
    • Continue on Fixed rate offer by the participating bank at the time of repricing
    • OR
    • To opt for a variable pricing/rates will be applicable after 5th / certain year.
  • Pricing will be reevaluated after One year or any change in discount rate announced by SBP. However, for existing customers, any change is pricing will be applicable or will take effect at their respective anniversary / re-pricing
  • The KIBOR shall be applicable on the first business day of the month of disbursement and facility would be re-priced accordingly on anniversary.

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City Best High Societies Email Address
Islamabad & Rawalpindi Multi Professional Cooperative Housing Society, Islamabad https://mpchs.com
CBR-Central Board Revenue Employees Cooperative Housing Society, Islamabad https://www.cbrechs.org.pk
Cabinet Division Employees Co-operative Housing Society, Islamabad http://www.rightproperty.pk/
Jammu & Kashmir Cooperative Housing Society, Islamabad https://www.icons.com.pk/jkchs-islamabad/
Gulberg Green Islambad https://gulbergislamabad.com/
Ministry of Interior Employees Co-operative Housing Society, Islamabad http://achs.com.pk/web/
Abad Co-operative Housing Society, Rawalpindi http://achs.com.pk/web/
All CDA sectors https://eproperty.pk/maps/islamabad/cda/
All PHA (Pakistan Housing Authority) Apartments / Flats N/A
All FGEHA (Federal Government Employee Housing Authority) sector N/A
All Phase of DHA N/A
IBECHS (Gulberg Islambad) N/A
Foreign Office Co-operative Housing Society N/A
Media Town N/A
Pakistan Employees Cooperative Housing Society, Rawalpindi. https://www.aarz.pk/projects/pakistan-employees-co-operative-housing-society
Lahore Bahria Town (Sector A, B & C only ) https://bahriatown.com/lahore-bahria-target="_blank">www.bahriatownlahore.com/sector_c.php
Wapda Town https://www.zameen.com/area-guides/lahore/wapda-town-42
Valencia Town https://www.skymarketing.com.pk/valencia-town-lahore
DHA Lahore https://www.lahoredha.com/
Eithad Town https://www.etihadtown.com.pk/
Rehman Garden Phase 7 https://lahore.land/al-rehman-garden-lahore/
Al Jalil Garden Lahore https://www.ajlahore.com/
Nespak Employees Cooperative Housing Society https://www.fjtown.com/nespak-employees
Punjab Govt. Employees Cooperative Housing Society https://eproperty.pk/punjab-government-employees
Canal Gardens https://www.ourupn.com/canal-gardens-lahore
PIA employees cooperative Housing Society www.piaochs.com
P&D Cooperative housing Society https://www.fjtown.com/pd-employees-cooperative
Military Accounts Cooperative Housing Society https://www.ilaan.com/blog/military-accounts
Askari Lahore Projects https://www.ilaan.com/area-guide/askari-lahore
Bankers Avenue Cooperative Housing Society www.bchslahore.com
Model Town Cooperative Housing Society https://mts.com.pk
Nasheman Iqbal Cooperative Housing Society https://www.graana.com/area/948/Nasheman-e-Iqbal_Housing_Society
State Life Cooperative Housing Society Lahore N/A
Jubilee Town Lahore https://www.skymarketing.com.pk/jubilee-town-lahore/
Bismillah Housing Society N/A
Punjab Housing Society Defence Road/Ghazi Road Lahore N/A
PCSIR staff cooperative Housing Society https://tajarat.com.pk/pcsir-society-lahore/
Karachi DHA Karachi https://www.dhakarachi.org/
Gulshan e Iqbal Karachi N/A
Clifton Karachi N/A
Gulistan-e-Jauhar N/A
Saadi Town www.saaditown.org
Scheme 33 N/A
Saadi Garden N/A
Sarjani town N/A
Capital Society N/A
Al Jadeed Residency www.aljadeedproperties.com/our-ventures/al-jadeed-residence-karachi/
KDA Scheme-1 http://kda.gos.pk/
Bath Island N/A
North Nazimabad Block A, B, C, F & N N/A
Civil Lines N/A
Defence Housing Scheme N/A
Main Auto bhan Road N/A
PECHS (Society Area ) N/A
Faislabad Omega Residencia Faisalabad N/A
Prime City Faisalabad Prime City Faisalabad Location Map - Payment Plan - Details (wall.pk)
Abdullah Gardens Faisalabad N/A
Canal Villas Faisalabad N/A
Model City 2 Faisalabad N/A
Orchard Homes Faisalabad https://orchardhomes.pk
ChenOne Luxury Apartments and Homes Faisalabad N/A
Lyallpur Villas Faisalabad https://www.zameen.com/new-projects/lyallpur_villas__farm_houses_-1461.html
Nawab City Faisalabad https://www.zameen.com/new-projects/nawab_city-1478.html
City Hosing, Phase I-II, Faisalabad. N/A
Raza Town, Faisalabad N/A
Four Seasons, Faisalabad N/A
Eden Orchard, Faisalabad N/A
Judicial Housing Society, Faisalabad N/A
Faisal Garden, Faisalabad N/A
Faisal Town, Faisalabad N/A
Rehman Town, Faisalabad N/A
Tech Town, Faisalabad N/A
Rehman Garden, Faisalabad N/A
Officers Colony No.1 N/A
Punjab Employees Hosing Society, Faisalabad N/A
WAPDA Town, Faisalabad N/A
Sitara Diamond City N/A
WAPDA CITY, Faisalabad N/A
Eden Garden, Faisalabad N/A
Askari Homes Sargodha N/A
Eden Valley, Faisalabad N/A
Multan DHA Multan N/A
Royal Grace City https://wallrealestate.pk/multan/royal-grace-city/
Citi Housing https://estateland.com.pk/citi-housing-multan/
Royal Orchard Multan https://royalorchard.pk/multan
Dream Gardens https://izharmonnoo.com/dream-gardens-multan/
Wapda Town https://www.skymarketing.com.pk/wapda-town-multan/
Safari Town N/A
Pearl City N/A
New Model City N/A
Pearl Residencies https://pearlresidencia.com.pk/
Green Lane https://www.housings.pk/green-lane-palm-residences-multan/
Buch Executive Villas https://www.buchvillas.com/
Faisal Cottages N/A
Shah Rukne Alam Colony(MDA) N/A
Fatima Jinnah Town (MDA) https://www.zameen.com/area-guides/multan/fatima-jinnah-town-667/
Golf City N/A
Nayab City Phase I & II N/A
New Multan Colony (PHATA) N/A
PIA housing Society N/A
Safia Homes N/A
DHA Bahawalpur N/A
Punjab Govt. Employees Co-operative Housing Society N/A
Govt. Employees Co-operative Housing Society N/A
Japan Town N/A

Zameen Projects:

City Project Name Project Details
Islamabad Zameen Ace Mall https://www.zameen.com/new-projects/zameen_ace_mall-1623.html
Las Torros https://www.zameen.com/new-projects/las_torres-2249.html
RJS-Sqaure https://www.zameen.com/new-projects/rjs_square-2269.html
Lahore 3 Jays Tower - Sitara Heights https://www.zameen.com/new-projects/3_jays_tower-1986.html
Amanah Noor Residence https://www.zameen.com/new-projects/amanah_noor_residence-2069.html
Defence View Apartments https://www.zameen.com/new-projects/defence_view_apartments-1499.html
Expo Gold https://www.zameen.com/new-projects/expo_gold-2262.html
Gulberg City Centre https://www.zameen.com/new-projects/gulberg_city_centre-1441.html
J-Heights https://www.zameen.com/new-projects/j_heights-2098.html
One VH https://www.zameen.com/new-projects/onevh_-2185.html
Park House https://www.zameen.com/new-projects/parkhouse_apartments-2060.html
Pearl One Residencia https://www.zameen.com/new-projects/pearl_one_residencies-2119.html
Residence 15 https://www.zameen.com/new-projects/residence_15-2040.html
Sitara Serene Tower https://www.zameen.com/new-projects/sitara_serene_tower-2046.html
T Square https://www.zameen.com/new-projects/t_square-2079.html
Tower-18 https://www.zameen.com/new-projects/tower_18-2059.html
Zameen Auram https://www.zameen.com/new-projects/zameen_aurum-1828.html
Zameen Opal https://www.zameen.com/new-projects/zameen_opal-1537.html
Zameen Quadrangle https://www.zameen.com/new-projects/zameen_quadrangle-2010.html
Zee Avenue https://www.zameen.com/new-projects/search.html
Karachi Aman Golf View https://www.zameen.com/new-projects/aman_golf_view-2077.html
Falak Corporate City https://www.zameen.com/new-projects/falak_corporate_city-2168.html
Roomi Icon https://www.zameen.com/new-projects/roomi_icon-2191.html
Al Rauf North Vista https://www.zameen.com/new-projects/al_rauf_north_vista_ii-2207.html
Aziz Excellancy https://www.zameen.com/new-projects/aziz_excellency-2222.html
Blue Sky Apartments https://www.zameen.com/new-projects/blue_sky_residency-2253.html
Saeeda Residency https://www.zameen.com/new-projects/saeeda_residency-2248.html
Faisalabad Sitara ICON https://www.zameen.com/new-projects/sitara_icon_tower-2041.html
The Edge Mall https://www.zameen.com/new-projects/the_edge_mall-2091.html
West Canal Residences https://www.zameen.com/new-projects/west_canal_residencies-2267.html
Sialkot Union Tower https://www.zameen.com/new-projects/union_tower-2125.html
Peshawar Green Oaks Residencia https://www.zameen.com/new-projects/green_oaks_residencia-2049.html

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Property Purchase - Self Investment

In case of disinvestment before 3 years, investor can repatriate funds. However, capital gains will not be allowed for repatriation till the completion of 3 years. During this time, investors can park/invest capital gains in other eligible securities from their NRV account. Profit from such investments will be fully repatriable upon completion of 3 years (to be calculated from the date of investment). However, Investors can repatriate their principal investment in PKR any time during the period of 3 years. In case where the investors suffer loss, entire sale proceeds are eligible for repatriation any time.

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