JS 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.


JS Bank Limited (JSBL) is a Pakistani commercial bank headquartered in Karachi, Pakistan. The bank is an exclusive majority-owned subsidiary of JS Group. Established in 2007, it was the result of the merger of two mega corporations - Jahangir Siddiqui Investment Bank Limited and American Express Bank. In FY 2020, the bank had total revenue of PKR 16.45 billion and closed the year with total assets of PKR 532 billion.

JS Bank Limited not only operates branches across Pakistan but also holds an international branch in Manama, Bahrain. It aims to be a world-class bank by delivering innovative financial services to its customers with the help of a motivated team of professionals, supported by the latest technology. Other than that, it maintains high ethical standards by creating value for all their stakeholders and contributing to society through responsible and sustainable development. Furthermore, it maintains the long-term entity rating of AA- (Double A Minus) by the Pakistan Credit Rating Agency Limited (PACRA) while its short-term entity rating was ‘A1+’ (A-One Plus).

Moving forward, JS Bank in collaboration with Ghar Apna - Markup Subsidy Facility (Home Loan) offers affordable and convenient options to fulfil your dream to buy (of ready property) or buy and construct on a plot, housing unit.

Eligibility Criteria:

  • All cities of Pakistan where the bank has a branch
  • An individual can utilise this subsidised housing finance facility only once.
  • Age of Applicant / Co-applicant should be between 25 to 60 years
  • Monthly Income should be a minimum of PKR 25,000 per month net disposable income