ELIGIBILITY

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Eligibility

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 – 60* years
Business person = 23 – 65 years
Self employed = 23 – 65 years
Others (rental, agriculture) = 23 – 65 years
*Age of retirement less three years

Minimum Experience at Employment/Business tenure:

Local salaried individual = 2 Years Permanent & 3 Years Contractual
Salaried expatriate = 2 Years Permanent & 3 Years Contractual
Business person = 3 years Minimum
Self employed = 3 years Minimum
Others (rental, agriculture, etc.) = 3 years Minimum

Housing unit types:

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

Cities

  • Lahore
  • Karachi
  • Islamabad
  • Rawalpindi
  • Faisalabad
  • Multan
  • Peshawar
  • Quetta
  • Sukkur
  • Hyderabad
  • Gujranwala
  • Sialkot
  • Abbotabad
  • Bahawalpur

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
  • Affordability
  • 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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