Financing Types

Buy a Home: Purchase a constructed property through this facility.

Buy and Build a Home: Avail this facility if you want to buy a piece of land and subsequently construct a house.

Key Features

Buy a Home: Purchase a constructed property through this facility.

Buy and Build a Home: Avail this facility if you want to buy a piece of land and subsequently construct a house.

Note: Financed housing unit will be mortgaged in favor of HBL Islamic Banking as per the applicable policy and SBP prudential regulations.

Eligibility Criteria

• Pakistani citizen holding a valid CNIC
• Applicants should not be owning a house
• Individuals can avail this offer only once

Tenor and Rates

Tenor up to 10 years with flexibility of up to 20 years

How to apply

Please visit your nearest HBL Islamic branch to apply.​

Guiding Principle

Under this arrangement, bank and customer become joint owners in a property. Bank’s ownership share is divided into units which customer purchases periodically to ultimately become complete owner of the property. Till the complete ownership, customer pays agreed rentals for using bank’s share in the property.

Terms and conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC).