Habib Metro Bank Home Financing

Product Type

Mera Pakistan Mera Ghar


Tier 1

Employment Status


Property Price

1.50 Crore

Down Payment

45 Lakh

Loan Period

240 Months

Loan Calculations

Monthly Installments
PKR 103,774
Property Value
PKR 15,000,000
Down Payment
PKR 4,500,000
Loan Amount
PKR 10,500,000
Kibor + 3%
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.


Habib Metropolitan Bank commenced its commercial banking operations as a Metropolitan Bank in 1992. Under this name, it remained a highly ranked bank until 2006, when it decided to merge with Habib Bank AG Zurich’s Pakistan operations. Based in Karachi, Pakistan, it has a wide network of 400 branches, operating in different cities.

Habib Metro offers various services to its clients, be it commercial, consumer or corporate banking solutions. With expertise in trade finance, it provides highly innovative e-Banking and Shariah-compliant Islamic Banking clarifications. Not only this, it had achieved long-term and short-term ratings of “AA+” (Double A Plus) and “A1+” (A one plus) by the Pakistan Credit Rating Agency for the consecutive 17 years as well. These ratings, being the highest among the local sector Private Banks, denote a very low expectation of credit risk emanating from a strong capacity for timely payment of financial commitments. Not only this, in 2015, Habib Metro won Asian Development Bank (ADB) award.

The parent bank, Habib Bank AG Zurich was founded by the Mohammed Ali Habib family as the government started privatization of the banking sector in Pakistan. It has operations in Hong Kong, Singapore, United Arab Emirates, Kenya, South Africa, the United Kingdom and Canada. Moreover, the bank brings you to “Mera Pakistan Mera Ghar”, the Government’s Markup Scheme for housing finance under the guidance of the State Bank of Pakistan. This will enable the citizens to fulfil their dream of owning a house with an affordable and easy payment plan. This facility is available nationwide at designated branches.

Eligible Criteria:

  • Individuals having a valid CNIC
  • First-time home-owners
  • Citizens can only one-time utilise a subsidised house loan facility under this scheme
  • Citizens having a monthly income of a minimum of Rs. 25,000/-
  • Up to 4 co-applicants are allowed – only blood relatives with ages between 25 to 60 years
  • Minimum 5 years of employment/business experience