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House Building Finance Company – HBFC

Housing Finance NPR
Let us help you buy
or purchase your
home in Pakistan

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.

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    Key Features

    PurposeConstruction and Purchase of House/Apartment
    Income CriteriaVerifiable net disposable monthly income
    Financing Amount Up to PKR 30 Million
    Financing Tenor3 — 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 ShareUp to 85% of the market value of property

    Eligibility Criteria

    CitizenshipNon Resident Pakistani
    AgeFor salaried Individuals: 23-60* years
    *Age at the time of maturity of facility
    Total Years in Employement3 Years

    Customer Information Form

    Customer Information FormDownload

    Documents Required for Prior Approval

    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 Statment of Salary A/C
    6Foreign credit report
    7Copy 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


    Tentative Calculation Schedule

    PKR 0.00

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