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House Building Finance Company – HBFC

Housing Finance NPR
Let us help you buy
or purchase your
home in Pakistan

Home Loans for Her

Empowering women through homeownership is a key commitment at HBFC. We take pride in the fact that one in every 5 customers at HBFC is a woman. With a rich legacy spanning seven decades, we are dedicated to realizing the homeownership dreams of even more women.

If you have always dreamed of having, a home of your own, now is the time to make your dreams a reality.

HBFC Home Finance Loan can be availed to buy or build a house/apartment anywhere in Pakistan through our affordable and flexible financing options.

We are Committed To:

  • Empowering women as influential financial decision-makers
  • Accelerating their path to homeownership
  • Facilitating women to adapt to evolving household circumstances

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    See How These Women have Fulfilled
    Their Dream of Home Ownership

    Key Features

    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 85% 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)

    Eligibility Criteria

    CitizenshipResident Pakistanis / Non - Resident 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

    Loan Application Form

    Loan Application FormDownload
    Co-Applicant FormDownload
    Guarantor FormDownload

    Documents Required

    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)

    HBFC Home Loan Calculator

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