List of Required Documents |
Documentation Requirement
(Salaried Segment) |
Original / Copy |
| Loan Application Form (LAF) along with CF Undertaking |
Original |
| Product Disclosure Sheet |
Original |
| Valid CNIC of applicant & Co-partner (where applicable) |
Copy |
| 2 passport size color Photographs of applicant & Co-partner (where applicable) |
Original |
| Undertaking for first time homeowner |
Original |
| Title Document of the property to be mortgaged |
Copy |
| Direct Debit Authority (DDA) & Employer’s certificate mentioning that payroll account maintenance shall continue with the lending Bank (where applicable) |
Original |
| Formal Sector Employees |
Proof of Employment (along with length of employment) for example:
- Employment letter or
- Employment Certificate or
- Any valid documentary evidence from employer |
Original / Copy |
Income Proof document (salary breakup and deductions to be clearly mentioned) for example:
- Current Salary Slip or
- Salary Certificate
Note:
-Maximum of 60 days old salary slip may be accepted
-Online / e-salary slips are acceptable with positive verification
-Original salary slip / e-slip does not require stamp or sign. |
Original / Copy |
| Informal Sector Employees |
In case customer is employed in informal sector, one of the following documents shall be required to assess customer based on proxy income or repayment surrogates, for example: |
|
| - Rent Agreement or |
Copy |
| - Rent Payment declaration or |
Original |
| - Utility Bills or |
Copy |
| -School Fee Challan or |
Copy |
| - Any other valid expense document (as per defined Income proxy) |
Copy |
Documentation Requirement
(Self Employed)
|
Original / Copy |
| Loan Application Form (LAF) along with CF Undertaking |
Original |
| Product Disclosure Sheet |
Original |
| Valid CNIC of both applicant & Co-partner (where applicable) |
Copy |
| 2 passport size colour Photographs of applicant & Co-partner (where applicable) |
Original |
| Direct Debit Authority (DDA) (where applicable) |
Original |
| Undertaking for first time homeowner |
Original |
| Title Document of the property to be mortgaged |
Copy |
| Formal Sector Self Employed |
Proof of Business (stating ownership and length of business) for example: |
|
| Partnership Deed or |
Copy |
| Bank Certificate for Sole Proprietor / Partnership or |
Original |
| NTN Certificate or |
Copy |
| Rent agreement of office or |
Copy |
| Professional Degree / Diploma &/OR Valid Membership of applicable Professional body or |
Copy |
| Any other valid acceptable business document verifiable from authority fulfilling minimum business tenor requirement. |
Copy / Original |
Income assessment document
- Account Maintenance Letter along with last 6 months Bank Statement
Notes:
-Maximum of 60 days Bank statement may be accepted
-Original Bank statement with bank stamp |
Original |
| Informal Sector Self Employed |
In case customer is employed in informal sector, one of the following documents shall be required to assess customer based on proxy income or repayment surrogates, for example: |
|
| Rent Agreement or |
Copy |
| Rent Payment declaration or |
Original |
| Utility Bills or |
Copy |
| School Fee Challan or |
Copy |
| Any other valid expense document (as per defined Income proxy) |
Copy |
