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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 Rate5 Year PKRV + 4.00% for first 5 years
    5 Year PKRV + 4.00% or 1 Year KIBOR + 4.00% for remaining tenor
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 70% on the basis of market value assessed by valuator (of the property to be mortgaged) or purchase value, whichever is lower
    Balloon Payment FacilityCharges applicable as per (SOC)
    Early Settlement FacilityCharges applicable as per (SOC)

    Eligibility Criteria

    CitizenshipResident Pakistanis / Non - Resident 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
    Minimum: 23 years
    Maximum: *60 years
    *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 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 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 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 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 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 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

    HBFC Home Loan Calculator

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    Tentative Calculation Schedule

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