Housing Finance NPR
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Home Loans for Non-Resident Pakistanis
Are you looking to buy your own house? Do you have it all figured out? Saving to buy your first home can be a challenge, but that is why we are here to sort out your financial woes for you.
We take great pride in making our customers dream homes come a reality for the last seven decades.
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.
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 | Ghar Sahulat Scheme Salaried: 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 Ghar Sahulat Scheme: 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 | Non Resident Pakistani |
| Age | For salaried Individuals: 23-60* years *Age at the time of maturity of facility |
| Total Years in Employement | 3 Years |
Customer Information Form
| Customer Information Form | Download |
Documents Required for Prior Approval
| 1 | Customer Information Form |
| 2 | Copy of CNIC/NICOP |
| 3 | Copy of Salary Certificate(mentioning job status & tenor of employment) |
| 4 | Copy of latest 06 Months salary slips |
| 5 | Copy of latest 01 year Bank Statment of Salary A/C |
| 6 | Foreign credit report |
| 7 | Copy of valid Passport & Visa |
| 8 | Copy of Work Permit |
| 9 | Copy of Resident Card |
| 10 | Proof of remittance(Including receipt of remittances or 01 year local bank statement reflecting the remittance) |