Basic Eligibility:

  • Pakistani National with a valid NIC
  • Local salaried individual
  • Salaried expatriate
  • Business person
  • Self employed
  • Others (individual with other sources of income i.e. landlord, retired individuals, regular rental income, foreign remittances, fixed savings/term deposits, agriculture)

Age at the time of Application:

Local and Expatriate = 23 – 55 years
Business person = 23 – 60 years
Self employed = 23 – 60 years
Others (rental, agriculture) = 23 – 60 years

Minimum Experience at Employment/Business tenure:

Local salaried individual = 2 years permanent
Salaried expatriate = 5 years contractual
Business person = 5 years
Self employed = 3 years
Others (rental, agriculture, etc.) = 3 years

Housing unit types:

  • Complete house
  • Semi-completed house
  • Apartments
  • Residential farm house


  • Lahore
  • Karachi
  • Islamabad
  • Rawalpindi
  • Faisalabad

Preferred Localities

  • DHAs
  • Cantonments
  • All properties under Development Authorities (KDA, LDA, RDA, CDA, FDA,)

Eligibility Impacting Factors

Monthly verifiable income quantum

Present Age

Existing consumer facilities

Existing facilities History

Property type/location

Repayment Capacity

Financing tenor


Credit worthiness

Mortgage ability/Acceptable security for Bank

Eligibility Improving Factors

Monthly verifiable income quantum

Existing consumer facilities

Existing facilities history

Property type/location

Add co-borrower

Cancel unwanted facilities

Settle existing issues


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