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House Building Finance Company – HBFC

ہاؤسنگ فنانس این پی آر
آئیے آپ کو خریدنے میں مدد کریں۔
یا آپ کی خریداری
پاکستان میں گھر

Overview

At HBFC Bank, we understand that a home is not merely a place to stay; it’s much more than that. It’s a warm corner of the world uniquely tailored to your tastes and needs. It’s where you find comfort and happiness, draw strength to bear sorrows, and savor the journey called life. There truly is no place Ike home, and with HBFC’s home financing, you can achieve your home ownership dream and create lasting memories within your own space.

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    اہم خصوصیات

    PurposeConstruction and Purchase of House/Apartment
    Income CriteriaVerifiable net disposable monthly income
    Facility AmountUp to PKR 30 Million
    Facility Tenure3 — 20 years
    Markup RateSalaried: 01 Year KIBOR * + 3.00%
    Self-employed Businessmen: 01 Year KIBOR * + 3.50%
    Self-employed Professionals: 01 Year KIBOR * + 3.50%
    * Yearly re-pricing on each anniversary of financing.
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 70% on the basis of market value assessed by valuator (of the property to be mortgaged) or purchase value, whichever is lower
    Balloon Payment FacilityCharges applicable as per (SOC)
    Early Settlement FacilityCharges applicable as per (SOC)

    اہلیت کا معیار

    CitizenshipResident Pakistanis-
    Facility of Applicant/
    Co-Applicant/Guarantor
    Co-applicant allowed
    Co-applicant must be an immediate family member
    Guarantor must be a family member having inheritance right in the property to be mortgaged
    -
    Age of Applicant/Co-
    Applicant/Guarantor
    Minimum: 23 years
    Maximum: *60 years
    *At the time of maturity of facility
    -
    Income CriteriaVerifiable net disposable monthly income
    Salaried Individuals (SIs)GovernmentAt least 01 years (Permanent Employees)

    At least 03 years (Contractual Employees)
    OtherAt least 03 years (Permanent Employees)

    At least 04 years (Contractual Employees)
    Self Employed Professionals (SEPs)N/AAt least 03 years
    Self Employed Businessmen (SEBs) N/A Total business tenure of at least 03 years and minimum 02 years in current business
    Expatriate PakistanisN/A Total employment tenure of at least 03 years

    قرض کی درخواست فارم

    Loan Application FormDownload
    Co-Applicant FormDownload
    Guarantor FormDownload

    کاغذات درکار ہیں

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    1Passport size colored photographs of the applicant03
    2Passport size colored photographs of the co-applicants 03
    3Passport size colored photographs of the guarantor(s) 03
    4CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant 03 copies attested (both sides)
    5CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant(s) 03 copies attested (both sides)
    6CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s)03 copies attested (both sides)
    7In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of sellerAttested Copy (both sides)

    کیلکولیٹر

    Lorem Ipsum پرنٹنگ اور ٹائپ سیٹنگ انڈسٹری کا محض ڈمی ٹیکسٹ ہے۔ Lorem Ipsum 1500 کی دہائی سے انڈسٹری کا معیاری ڈمی ٹیکسٹ رہا ہے، جب ایک نامعلوم پرنٹر نے قسم کی ایک گیلی لی اور اسے ایک قسم کے نمونے کی کتاب بنانے کے لیے کھینچا۔ یہ نہ صرف پانچ صدیوں تک زندہ رہا ہے بلکہ الیکٹرانک ٹائپ سیٹنگ میں بھی چھلانگ لگا ہوا ہے، بنیادی طور پر کوئی تبدیلی نہیں کی گئی۔ یہ 1960 کی دہائی میں Lorem Ipsum حصئوں پر مشتمل Letraset شیٹس کے اجراء کے ساتھ اور حال ہی میں Aldus PageMaker جیسے ڈیسک ٹاپ پبلشنگ سافٹ ویئر کے ساتھ مقبول ہوا جس میں Lorem Ipsum کے ورژن بھی شامل ہیں۔

    انکشاف

    Lorem Ipsum پرنٹنگ اور ٹائپ سیٹنگ انڈسٹری کا محض ڈمی ٹیکسٹ ہے۔ Lorem Ipsum 1500 کی دہائی سے انڈسٹری کا معیاری ڈمی ٹیکسٹ رہا ہے، جب ایک نامعلوم پرنٹر نے قسم کی ایک گیلی لی اور اسے ایک قسم کے نمونے کی کتاب بنانے کے لیے کھینچا۔ یہ نہ صرف پانچ صدیوں تک زندہ رہا ہے بلکہ الیکٹرانک ٹائپ سیٹنگ میں بھی چھلانگ لگا ہوا ہے، بنیادی طور پر کوئی تبدیلی نہیں کی گئی۔ یہ 1960 کی دہائی میں Lorem Ipsum حصئوں پر مشتمل Letraset شیٹس کے اجراء کے ساتھ اور حال ہی میں Aldus PageMaker جیسے ڈیسک ٹاپ پبلشنگ سافٹ ویئر کے ساتھ مقبول ہوا جس میں Lorem Ipsum کے ورژن بھی شامل ہیں۔

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