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Eligibility Criteria


Salaried Individuals
Self-Employed Business Persons/ Professionals
Nationality

Pakistani (Resident & Non Resident Pakistani)

Pakistani (resident)

Age criteria:

For the main applicant and co-borrower, whose income is being clubbed.

Minimum age at the time of loan application should be 25 years. Maximum age at the time of loan maturity should be 60 years

Minimum age at the time of loan application should be 30 years. Maximum age at the time of loan maturity should be 65 years

Length of Employment

Permanent employees Minimum 5 year experience; 6 months experience with confirmed employment status in the current job

Minimum 5 year experience in personal business


Documents Required

Documents required for processing of HBL HomeLoan application may include but not limited to:

a. Salaried Individuals

  • CNIC copy
  • Passport size photographs x 2
  • Letter from employer
  • Salary slips or attested salary certificate for last 3 months

  • Bank statement for last 12 months

  • Copies of property documents

b. Self-Employed Business persons/Professionals

  • CNIC copy
  • 2 passport size photographs
  • Proof of Occupation:

    • Proprietorship Certificate

    • Registered Partnership Deed

    • Articles & Memorandum of Association with latest Form A & 29

    • Degree/Diploma/Certificate in case of Professional

  • Bank Statement for last 12 months

  • NTN / Tax Returns

  • Copies of property documents