Habib Bank Limited Home Financing

Product Type

Roshan Apna Ghar



Employment Status


Property Price

1.50 Crore

Down Payment

45 Lakh

Loan Period

240 Months

Loan Calculations

Monthly Installments
PKR 107,666
Property Value
PKR 15,000,000
Down Payment
PKR 4,500,000
Loan Amount
PKR 10,500,000
Loan Type

Features and Benefits

Affordable & easy repayment plan
Helps in construction on a plot you already own
Allows you to expand or extend your existing Housing Unit
Enables you to purchase as well as the construction on the plot
Enjoy a 5% rental rate for the first five years
Purchase of House / Flat
Hybrid mark-up rates (Fixed & Floating)
Financing Up to PKR 10 Million
Property Insurance
Offered across the country
Purchase of a complete residential property (Apartment/Flat/House)
Enjoy up to 80% financing of the property value


It is pertinent to mention here any additional documents may be required by the bank.

Required Documents

Computerised CNIC/Copy
Proof of income documents
Copies of property documents/ Details of property
Salary Slip/ Bank Statement
Employment Letter
Passport size coloured photographs of the applicant, co-applicant(s), & guarantor(s)
Latest 4-month salary slip (for salaried persons)
1-Year Bank Statement (for self-employed professionals)
Application form
Documents of all financing facilities the borrower availed from the banks/DFIs
Business /employment proof
Currently paid utility bills (Home and Office)
Proprietorship Letter/Account Certificate mentioning the name (for self-employed)


Some/all features and benefits may not be applicable on every application, as each case may differ, allowing banks to offer more or less from the aforementioned list.


HBL, established in 1947, was the first commercial bank. Being Pakistan’s largest bank, HBL has not only grown its branch network but also maintained its position as the largest private sector bank in Pakistan with over 1,650+ branches and 2,100+ ATMs globally, serving around 23 million customers worldwide. Moreover, the Bank is a leading full-service commercial bank. The key areas of operation are Branch Banking, Treasury, SME & Rural Banking, Corporate & Investment Banking, Financial Institutions & Global Trade Services, Transaction Banking and Islamic Banking.

The mainstay of the Bank is the Branch Banking business, which helps in positioning HBL as the largest retail bank in Pakistan catering to all market segments. Furthermore, HBL Corporate & Investment Banking Group is a leading provider of financial services to multinational and local corporate clients across the country. Other than that, it also has the largest Treasury operations in Pakistan and plays a key role in Pakistan’s domestic markets.

HBL relishes a significant international footprint and is the largest domestic multinational as well. The Bank’s international footprint holds significant importance as it enables its core customers to use its services across the globe. Interestingly, China remains the lynchpin of HBL’s international strategy and the Bank is the largest executor of CPEC related financing in Pakistan. In December 2019, the Bank became successful in achieving the much-coveted branch license to offer financial services to clients in Beijing.

Moving forward, it is one of the largest and leading Islamic banking players in the country. The bank delivers a plethora of Shariah-compliant solutions to its diverse clientele and is committed to coming up with innovative products and initiatives for its valued customers. The Islamic services, offered by HBL, are first approved by the bank’s Shariah Board which is formed by renowned Shariah scholars of Pakistan. A housing scheme will provide convenient and affordable housing options under the Shariah-compliant guidelines of Diminishing Musharakah mode of financing.

Eligibility Criteria:

  • All men and women having a valid CNIC
  • Applicants should not have their own home
  • An individual can avail this Profit Subsidy Scheme only once in a lifetime