• Net Income (Salaried Customers): PKR 30,000 per month
• Net income (Self-employed customers): PKR 50,000 per month
• Minimum Age: 25 years for Primary Borrower & 22 years for Joint Borrower
• Maximum Age: 70 years or retirement age(whichever is less at the time of maturity of the loan) for Primary Borrower & 70 years for Joint Borrower
• Employment Length: 2 years for Salaried and 3 years for Self-employed Professional/Businessman
• One Year Bank Statement required for all segments

Following segments can apply for Low Cost Housing Finance for Special Segment

• Widows
• Transgender
• Special Persons
• Children of martyrs and persons in areas severely affected by terrorism

Variants Allowed:

• Only Plot + Construction
• Home Construction

Loan Amount:

• Minimum: PKR 200,000/-
• Maximum: PKR 3,000,000/-

Loan Tenor: From 1 – 12 Years

Collateral Property Cities: All over the country

Pricing: Markup: 5% - Fixed

Eligibility

• The borrower includes all men/women holding valid CNIC.
• The borrower must not be an owner of any residential housing unit /flat / apartment.
• An individual can have a subsidized house loan facility under this scheme only once.
• Loan can be applied against property on which the borrower will be the first purchaser (first transfer of house/apartment/flat) of newly constructed affordable housing units (Not more than one year old from the date of application). However, this requirement will not be applicable till March 31, 2023 under Tier 0, Tier 2 and Tier 3.
• Loan can also be applied to finance a plot as well as construction on the same.
• Customers can also utilize the loan for an expansion/extension in their existing homes.

Variants Allowed:

• Home Purchase
• Plot Plus Construction
• Home Construction
• Home extension/ expansion

Loan Tenor:

Minimum: 5 years

Maximum: Upto 20 years depending on the choice of the customer

Loan Categories offered:

Pricing

Special Features

• Prepayment Option available with no prepayment penalty
• Hybrid mark-up rates (Fixed & Floating)

For Frequently Asked Questions and Product Feature

Eligibility:

• Only Salaried segment (Permanent/Contractual) is eligible to apply under the variant.
• Customer can apply for the Purchase of House only.
• All applicants must be holders of CNIC, SNIC, NICOP or a Pakistan Origin Card.
• Applicants may also have dual nationality.
• Local co-borrower requirement is mandatory and they can be any of his blood relative as per Bank’s policy.
• One year banking relationship with any bank in Pakistan or in country of customer’s residence.
• Minimum Net Income requirement is PKR 500,000 or equivalent (Conditions applied)

Pricing

• Standard Pricing as mentioned below
• Special 50% discount on prepayment charge (for Roshan Digital Accountholders)

Additional Documentation for Non Resident Pakistanis for Home Loan:

• NICOP/POC
• Copies of Pakistan Passport and International Passport (in case of Dual Nationality Holders)
• Resident’s Status / Work Permit (Iqma for KSA and UAE)
• Any other document on a case to case basis

Additional Documentation for Non Resident Pakistanis for Home Loan:

• Property Insurance is mandatory in the Home loans.
• Consumer Offices/Customer Walk-in Centers in 11 major cities.

Minimum Documentation

• Application form
• Copy of valid and original CNIC/SNIC
• Two passport size photographs
• Declaration of all financing facilities availed from all banks/DFIs
• Income documents
• Business /employment proof
• Copy of property documents
• Any other document required by the Bank