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.

Financing will be available for expansion/extension of existing housing units, provided the housing unit after expansion/extension falls within the criteria specified under the facility. Financing for the renovation of the current housing unit will not be allowed under the facility.

Key Features

Financing under Tier 1 is available through banks for the funding under NAPHDA projects.

Financing under Tier 2 and Tier 3 is available through banks to fund housing units under non-NAPHDA projects.

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

Eligibility Criteria

• All men and women holding a valid CNIC.
• Applicants should not already own a house.
• An individual can avail of this Profit Subsidy Scheme only once.

Tenor and Rates

Financing tenure from 5 years to 20 years

How to apply

Please visit your nearest HBL Islamic branch to apply.​

Guiding Principle

Under this arrangement, the bank and the customer become joint owners of a property. Bank’s ownership share is divided into units that customers periodically purchase to become the complete owner of the property. The customer pays agreed rentals for using the bank’s share in the property until the absolute ownership.

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

Contact us

For more information, Please call Mera Pakistan, Mera Ghar - Helpline: 033 77 786 786​