1. What is the Mark up rate for Mortgage Home Finance scheme?
SBP Discount Rate + 2% (With Life Insurance)
SBP Discount Rate + 4% (Without Life Insurance)

2. What will be the loan tenor?
NBP Saibaan is available for the period ranging from 3 to 20 Years

3. What are the minimum and the maximum loan amount that can be acquired?
Maximum amount for all products except Home Improvement is.35 million and maximum amount for Home Improvement finance is 15 million.

4. What is the Loan to Value ratio? Or how much financing can I get against my property?
The permissible Loan-to-Value ratio is as follows:

• 85:15 for loans below Rs.15 (M)
• 80:20 for loans of Rs.15 (M) and above.
• The debt-equity ratio of 80:20 is applicable on those customers who don’t opt for life & disability insurance coverage.

5. Who is eligible to apply?
Please see the Eligibility Criteria.

6. Who will assess the value of property?
Different Qualified and experienced property valuation firms which are on approved panel of NBP conduct the property valuation.

7. Will my spouse’s income also be considered?
Yes you can also club your spouse’s income to qualify for higher amount of loan. In this case your spouse will be treated as a co-borrower.

8. I live in Karachi and want to Purchase/ Renovate/Construct a house in Lahore. Can I avail your financing facility?
Yes

9. I am a property dealer. Can I avail loan from NBP for commercial purpose?
No, we do not offer product for commercial property its purely for residential purpose.

10. How much will I have to pay for: Loan Processing, Legal Opinion Property Valuation and Income Estimation?
Please see the Schedule of Charges.

11. Are these refundable, if my loan is declined?
No, once the services are rendered the amount is Non-Refundable.

12. I am a Businessman/Self Employed Professional, how will you assess my income?
Income will be assessed through Income estimation by the Income Estimation Agency who conducts this estimation through documentation and business activity to estimate a minimum income of your business.

13. I want to co-own a property with my cousin. Is it possible to avail NBP Saibaan for this purpose?
No, only son and spouse are allowed to apply for a NBP Saibaan as a co-borrower.

 14. How to apply?

You can apply for NBP Saibaan loan by visiting any of authorized branches. Our dedicated staff will help you completing your loan application form and other formalities.