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HBL HomeLoan

A loan facility that enables you to fulfill your dream of owning a perfect home. Be it purchasing a new one, constructing or renovating your existing home, this facility has multiple options to suit your needs.


Key Features

• Financing limit between PKR 2,000,000 to PKR 40,000,000
• Flexibility of choosing between fixed and variable mark-up rate
• Repayment tenure ranging from 5 years to 20 years
• Free property insurance at all times ensuring peace of mind

Financing Options

Buy: This option provides financing for buying a new home.
Build: This option provides financing for construction on land you already own.
Renovate: This option provides financing for renovating your home.


Descriptors
Buy
Build
Renovate
Loan Tenure
5 Years to 20 Years
5 Years to 20 Years
5 Years to 10 Years
Loan Amount
PKR 3 Million – PKR 40 Million
PKR 2 Million – PKR 15 Million
PKR 2 Million – PKR 4 Million
Maximum financing Amount (as % of appraised value of property)
75%
70%
30%
Property Insurance
Free
Free
Free

Criteria

Salaried individuals

  • Applicant can be a Pakistani or non-resident Pakistani*
  • Applicant to be 25 years or more at the time of loan application and 60 years or less at the time of loan maturity
  • For existing customers, minimum monthly income to be PKR 100,000
  • For new to bank customers, minimum monthly income to be PKR 150,000
  • Permanent employee with a minimum of 5 years experience with confirmed employment status in the current job

*Non-resident Pakistani must apply with a co-borrower who is a Pakistani resident

Self-employed business persons/professionals

  • Applicant must be a Pakistani resident
  • Applicant to be 30 years or more at the time of loan application and 65 years or less at the time of loan maturity
  • For existing customers, minimum monthly income to be PKR 150,000
  • For new to bank customers, minimum monthly income to be PKR 200,000
  • Minimum 5 years experience in personal business

HBL HomeLoan is currently being offered in the following cities:
Karachi, Lahore, Islamabad / Rawalpindi, Faisalabad, Multan

How to apply

Salaried individuals to provide:

  • Original copy of CNIC along with verified copy
  • Two recent passport size photographs
  • Letter from employer
  • Salary slip or attested salary certificate for last 3 months
  • Bank statement for last 12 months
  • Copy of property documents

Self-employed business persons/professionals to provide:

  • Original copy of CNIC along with verified copy
  • Two recent passport size photographs
  • Proof of occupation/business
  • Bank statement for last 12 months
  • NTN/Tax returns
  • Copy of property documents

Terms and conditions apply.

Important Documents

Key Fact Sheet (HBL HomeLoan) - July 2018.pdf  
Size: 1014 KB