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House Building Finance Company – HBFC

GHAR SAHULAT SCHEME
Let us help you buy
or purchase your
home in Pakistan

Making Home Loans Simple and Hassle-free

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.

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    Key Features

    PurposeConstruction and Purchase of House/Apartment
    Income CriteriaVerifiable net disposable monthly income
    Facility AmountUp to PKR 30 Million
    Facility Tenure3 — 20 years
    Markup RateSalaried: 01 Year KIBOR * + 3.00%
    Self-Employed Businessmen: 01 Year KIBOR * + 3.50%
    Self-Employed Professionals: 01 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.
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 85% of the market value of property

    Eligibility Criteria

    CitizenshipResident Pakistanis-
    Facility of Applicant/
    Co-Applicant/Guarantor
    Co-applicant allowed
    Co-applicant must be an immediate family member
    Guarantor must be a family member having inheritance right in the property to be mortgaged
    -
    Age of Applicant/Co-
    Applicant/Guarantor
    For salaried Individuals: 23-60* years
    For SEP/SEB: 27-65* years

    *Age at the time of maturity of facility
    -
    Income CriteriaVerifiable net disposable monthly income
    Salaried Individuals (SIs)GovernmentAt least 01 years (Permanent Employees)

    At least 03 years (Contractual Employees)
    OtherAt least 03 years (Permanent Employees)

    At least 04 years (Contractual Employees)
    Self Employed Professionals (SEPs)N/AAt least 03 years
    Self Employed Businessmen (SEBs) N/A Total business tenure of at least 03 years and minimum 02 years in current business
    Expatriate PakistanisN/A Total employment tenure of at least 03 years

    Loan Application Form

    Loan Application FormDownload
    Co-Applicant FormDownload
    Guarantor FormDownload

    Documents Required

    1Customer Information Form
    2Copy of CNIC
    3Copy of Salary Certificate(mentioning job status & tenor of employment)
    4Copy of latest 04 months Salary Slips
    5
    Copy of latest 01 year Bank Statment of Salary A/C

    1Customer Information Form
    2Copy of CNIC
    3Copy of latest 02 years Bank Statement of Personal & Business accounts alongwith Account Maintenance Certificate
    4NTN Certificate
    5
    Latest 03 Years Tax Returns
    6
    Ownership Documents / Tenancy Agreement of Business Premises

    1Customer Information Form
    2Copy of CNIC
    3Copy of latest 02 years Bank Statement of Personal & Business accounts alongwith Account Maintenance Certificate
    4NTN Certificate
    5
    Latest 03 Years Tax Returns
    6
    Ownership Documents / Tenancy Agreement of Business Premises

    1Customer Information Form
    2Copy of CNIC/NICOP
    3Copy of Salary Certificate(mentioning job status & tenor of employment)
    4Copy of latest 06 Months salary slips
    5Copy of latest 01 year Bank Statement of Salary A/C
    6
    Foreign credit report
    7
    Copy of valid Passport & Visa
    8Copy of Work Permit
    9Copy of Resident Card
    10Proof of remittance(Including receipt of remittances or 01 year local bank statement reflecting the remittance)

    HBFC Home Loan Calculator

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