Housing Finance NPR
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Home Loans for Her
Empowering women through homeownership is a key commitment at HBFC. We take pride in the fact that one in every 5 customers at HBFC is a woman. With a rich legacy spanning seven decades, we are dedicated to realizing the homeownership dreams of even more women.
If you have always dreamed of having, a home of your own, now is the time to make your dreams a reality.
HBFC Home Finance Loan can be availed to buy or build a house/apartment anywhere in Pakistan through our affordable and flexible financing options.
We are Committed To:
- Empowering women as influential financial decision-makers
- Accelerating their path to homeownership
- Facilitating women to adapt to evolving household circumstances
See How These Women have Fulfilled
Their Dream of Home Ownership
I have been living in Saudi Arabia for the last 10 years with my son. When we thought of building a home in Pakistan, we didn't have enough money on hand. That’s when we consideredHBFC, and with their assistance, we were able to secure a home loan.
My journey with HBFC has been incredibly positive. As a professional, I needed a home financing solution that understood my unique needs. HBFC not only assisted me with housing finance but also provided guidance at every step.
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Key Features
| Purpose | Construction and Purchase of House/Apartment |
| Income Criteria | Verifiable net disposable monthly income |
| Financing Amount | Up to PKR 30 Million |
| Financing Tenor | 3 — 20 years |
| Markup Rate | For Salaried Individuals 1 Year KIBOR* + 3.00% *KIBOR rate will be taken of the last working day of previous month *Yearly re-pricing on each anniversary of financing For Self Employed Businessman / Professionals Self Employed Businessmen 1 Year KIBOR* + 3.50% Self Employed Professionals 1 Year KIBOR* + 3.50% *KIBOR rate will be taken of the last working day of previous month *Yearly re-pricing on each anniversary of financing For PKRV Variant 5 Years PKRV* + 4% for first 5 years 5 Years PKRV* + 4% or 1 Year KIBOR* + 4% for remaining tenor *PKRV rate will be taken of the last working day of previous month *KIBOR rate will be taken of the last working day of previous month |
| Loan To Value (LTV) Ratio / HBFC's Share | Up to 85% of the market value of property |
Eligibility Criteria
| Citizenship | Resident Pakistanis / Non - Resident Pakistani |
| Age | For salaried Individuals: 23-60* years *Age at the time of maturity of facility For SEB/SEP: 27-65* years *Age at the time of maturity of facility |
| Total Years in Employment / Business | Salaried Permanent Government Organization: 1 Year Private / Public Organizations: 3 Years Contractual Government Organization: 3 Years Private / Public Organizations: 4 Years Self Employed Businessman / Professionals SEB 3 Years & minimum 2 Years in current Business SEP 3 Years |
Customer Information Form
| Customer Information Form | Download |
Documents Required for Prior Approval
| 1 | Customer Information Form |
| 2 | Copy of CNIC |
| 3 | Copy of Salary Certificate(mentioning job status & tenor of employment) |
| 4 | Copy of latest 04 months Salary Slips |
| 5 | Copy of latest 01 year Bank Statement of Salary A/C |
| 1 | Customer Information Form |
| 2 | Copy of CNIC |
| 3 | Copy of latest 02 years Bank Statement of Personal & Business accounts along with Account Maintenance Certificate |
| 4 | NTN Certificate |
| 5 | Latest 03 Years Tax Returns |
| 6 | Ownership Documents / Tenancy Agreement of Business Premises |
| 7 | Copy of Professional Degree/Certificate (incase of SEP) |