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Product Features
Basic Eligibility Criteria
All Citizens Holding CNIC
First time owner
One individual can have subsidized house loan facility under this scheme only once
Products Offered
Purchase of a complete residential property (Apartment/Flat/House)
Purchase of plot & construction thereon
Construction on owned plot
Category 1 Category 2 Category 3
(NAPHDA Projects) (Non-NAPHDA) (Non-NAPHDA)
Size of Unit
Housing unit / apartments/flats of up to 125 sq.yds (up to 5 Marla) with covered area of up to 850 sq. ft. Housing unit of more than 125 sq. yards up to 250 sq.yds (10 Marla) or apartments/ flats with covered area from more than 850 sq. ft. to 1,100 sq. ft.
Maximum Price of Units
PKR 3.5 million PKR 6.0 million
Above is the Market Value of a single housing unit/Flat or Apartment at the time of approval of financing
Maximum Financing/Debt to Equity (LTV)
LTV up to 90% or LTV up to 90% or LTV up to 85% or
Rs. 3.15 million  whichever is Less Rs. 5.0 million  whichever is Less
Subsidized Mark-up/ Profit Rate
First 5 years = 5% First 5 years = 5% First 5 years = 7%
Next 5 years = 7% Next 5 years = 7% Next 5 years = 9%
After 10 years Bank's Normal Housing Finance rate would apply
Collateral Security Requirement
NAPHDA Projects NON – NAPHDA Projects
Trust will be responsible for the title documents

Mortgage of Residential Property in Bank’s Favor

Banks charge through Registered/Equitable Mortgage

Loan Tenor
Up to 20 years, depending upon choice of customers
Debt Burden Ratio (DBR)
Maximum up to 45%


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