Home Building Finance Company Limited (HBFC) Home Financing

Product Type

HBFC Khaas

Employment Status


Property Price

1.50 Crore

Down Payment

45 Lakh

Loan Period

240 Months

Loan Calculations

Monthly Installments
PKR 63,628
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.


House Building Finance Company Limited (HBFC), established in 1952 by the Government of Pakistan, is the only housing finance institution in Pakistan. It is an unlisted public limited company, whose capital is jointly held by the State Bank of Pakistan (SBP) and the Federal Ministry of Finance — shareholding 90.31% and 9.69% respectively.

HBFC aims to provide financing facilities for the construction and purchase of houses with the help of its deep-rooted and national footprint of 51 Branches, 7 Area offices, 3 Regional offices and a Head Office based in Karachi. As a matter of their mandate, this institution focused on providing finance for the housing needs of lower- and middle-income citizens.

HBFC has brought forth numerous products to cater the needs of large segments of the population. One of its housing finance products is Ghar Aasan Flexi, which makes it easier for the citizens to build their homes. Furthermore, in view of the falling affordability of citizens belonging to the low-income segment of the society, HBFC has launched Ghar Pakistan which is the first fixed-rate housing finance product in the history of the country. It is pertinent to mention here that the aforementioned product offers the lowest interest rate in the country. Not only this, it proves to be a milestone towards providing affordable housing to the low and low-middle income population of Pakistan.

Other than that, HBFC is trying to enhance and quicken its services towards providing mortgages to reduce the huge demand and supply gap of housing units in the country.

Eligibility Criteria:

  • All Pakistani nationals holding valid CNIC
  • First-time homeowner