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House Building Finance Company Ltd.
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Overview

Introduction

House Building Finance Company Limited (HBFC) has a unique distinction of being the first and only Housing Finance institution in Pakistan, a pioneering institution that has combined the best of financing expertise, public welfare and commitment to excellence & innovation that characterize the best of public interest organization. It was established in 1952 by the Government of Pakistan.

It was corporatized in 2007 and is now an unlisted public limited company. State Bank of Pakistan (SBP) and Government of Pakistan (GoP) jointly hold the capital of HBFC with 90.31% and 9.69% shareholding respectively.

As of February 18, 2011 and pursuant to the provisions of section 39 of the Companies Ordinance, 1984, the name of House Building Finance Corporation was changed to House Building Finance Company Limited.

HBFC provides financing facilities for construction and purchase of housing units through its deep rooted and national footprint of 51 Branches, 7 Area offices, 3 Regional offices and Head Office based in Karachi.

People We Serve

As a matter of our mandate, HBFC is focused on providing financing facility for the housing needs of low and middle income groups. Maintaining its innovative legacy, HBFC has developed various products to serve the needs of all segments of population.

Ghar Sahulat is the major Housing Finance product catering to the needs of masses. Primarily, the target market of this product is individuals belonging to all income groups who are willing to avail the financing facility for purchase and construction of a residential property.

Further, keeping in view the deteriorating affordability of low and middle income groups, HBFC has launched Ghar Pakistan and Ghar Pakistan Plus

Ghar Pakistan is the first fixed-rate Housing Finance product in the history of Pakistan. Currently, this product is being offered at the lowest rate in the industry.

Ghar Pakistan Plus is designed to provide affordable housing finance to the middle income groups.

Ghar Pakistan and Ghar Pakistan Plus are offered at fixed rate. These products are milestone towards providing affordable housing to low and middle income population of Pakistan.

Going forward, we are gearing ourselves towards enhancing mortgages rapidly so as to reduce the huge demand and supply gap of housing units in the country.
House Building Finance Company Ltd.

Please quote Zameen.com when calling us.

3rd floor, Finance & Trade Centre, Shahrah-e-Faisal, Karachi, Pakistan View Map
3rd floor, Finance & Trade Centre, Shahrah-e-Faisal, Karachi, Pakistan 0800 42325, 92-21-35641711-15
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  • Ghar Pakistan Plus
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    Overview:
    Financing for purchase/construction of house -Financing up to PKR 1,000,000/- : processing fees is PKR 2,000/- -Financing up to 85% of the forced sale value (FSV) of the mortgaged property -Profit rate: 13% per annum -Facility of Early Settlement with no Extra Charges -Inco ...more
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  • Ghar Sahulat
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    Financing for Purchase and Construction of Home/Apartment -Financing up to PKR 25 Million -Tenure: 3 to 10 years -Rate: Kibor+ 3.25 for Salaried Class -Rate: Kibor+ 3.50 for Self-Employed Professionals -Financing up to 70% of Property Value -Income Clubbing Facility El ...more
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  • Ghar Pakistan
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    Overview:
    Financing For Purchase and Construction of House/Flat -Financing up to PKR 4.5 Million -Rate: 12% p.a (fixed) -Financing up to 80% of property value -Facility of Early Settlement with no Extra Charges -Income Clubbing Facility Eligibility Criteria: Nationality: -Pa ...more
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