• Applicant must hold a Pakistani citizenship irrespective of their country of residence
• Flexible financing tenure option – minimum 3 years to maximum 25 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

*Bank may ask for any further documentation