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HBL Ijarah

A medium to long-term financing facility used to finance capital assets such as plant, machinery and vehicles.


  • Bank bears the risk of the asset throughout the Ijarah tenure
  • Flexibility to choose between fixed and floating rate


  • Customer or primary sponsor must be a Pakistani resident
  • Minimum length of business should be 3 years
  • Customer to provide acceptable collateral as per bank’s requirement

How to Apply

Applicant to provide:

  • Original CNIC along with verified copy
  • Customer’s audited financial statements and disclosures
  • Proprietorship declaration/partnership deed/latest Form 29
  • Copy of collateral documents
  • Other documents as per bank’s policy

Guiding Principle

Under this facility, the bank acquires the asset needed by the customer and then leases it to the customer for a fixed period.
Note: Terms and Conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC)