Policy

  • Applicant must hold a Pakistani citizenship irrespective of their country of residence
  • Flexible financing tenure option – minimum 3 years to maximum 20 years
  • Up to 50% debt burden of Net Disposable Income may be considered
  • Pricing will be based on/or mark up charge. It includes 1 year KIBOR + Bank margin. It is a floating/variable rate option that changes every 12 months
  • Mandatory life and property insurances at combined rates up to 0.40% per annum to secure your financing and your home respectively. First year is payable in advance and subsequent portion is built in instalments
  • Financing allowed on a reasonable property size located in secure locations with positive market aspect and market value
  • Mode of repayment will be 12 post dated cheques for the first year, direct debit deposits will be accepted from the following year
  • Clear legal opinion from the bank’s lawyer on property documents, pre and post disbursement legal requisite
  • Fees, charges and government taxes apply
  • All financing relationships require customer equity injection which differ based on customer’s risk profile and property to be mortgaged

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