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License No.  NBFC/34/EIBL/2020-05   Dated: June 2, 2020

Broad Eligibility

Pakistani Nationals with Valid CNIC

Financing on residential property only

  • Property will be used for domestic & household purpose
  • Property & Life Insured
  • Min 5 Marla /125 Sq. Yards

Installment payment through postdated Cheque

Financing Presently allowed in Karachi, Lahore, Islamabad & Rawalpindi

Eligibility Criteria

Eligibility Criteria
Age (at the time of login)
23 to 55 years (for salaried)
23 to 57 years (for SEB/SEP/Others)
Experience
  • Salaried (Local / Expat)
    • Permanent: Currently employed with total
      employment experience of at least 02 years.
    • Contractual: Currently employed with total
      employment experience of at least 02 years.
  • Professionals / Business Persons
    • Total Experience/Business tenure of at least 03
      Years.
  • Others
    • Continuous verified income stream of two years.
Minimum Monthly Income
  • Salaried Local
    • Rs.120,000 (from all sources)
  • Salaried Expat
    • US $ 5,000 or SAR 25,000
  • Self-Employed Professionals / Self-Employed Business
    / Others
  • Rs. 150,000 (from all sources)
Tenure 3-20 Years (Based on maturity age i.e 60 years)
Existing consumer credit facility Not more than 50% of net income

Improve your Eligibility

Following aspects directly impact your financing eligibility and suggested improvements can improve & increase your eligibility

  >Factors   >How to improve   >Impact
  Monthly verifiable income quantum   Add Co-borrower   Repayment Capacity
  Existing Consumer Facilities   Cancel unwanted facilities   Affordability
  Existing facilities History   Settle existing issues   Credit worthiness
  Property type / location   Consult Bank Rep?   Mortgage ability /Acceptable security for Bank?