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House Building Finance Company – HBFC

GHAR SAHULAT SCHEME
Let us help you buy
or purchase your
home in Pakistan

Making Home Loans Simple and Hassle-free

Are you looking to buy your own house? Do you have it all figured out? Saving to buy your first home can be a challenge, but that is why we are here to sort out your financial woes for you. 

We take great pride in making our customers dream homes come a reality for the last seven decades.

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.

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    Key Features

    PurposeConstruction and Purchase of House/Apartment
    Income CriteriaVerifiable net disposable monthly income
    Financing AmountUp to PKR 30 Million
    Financing Tenor3 — 20 years
    Markup Rate
    For Salaried Individuals
    01 Year KIBOR * + 3.00%
    *KIBOR rate will be taken of the last working day of previous month
    * Yearly re-pricing on each anniversary of financing.

    For Self Employed Businessman / Professionals
    Self Employed Businessmen 1 Year KIBOR* + 3.50%
    Self Employed Professionals 1 Year KIBOR* + 3.50%
    *KIBOR rate will be taken of the last working day of previous month
    *Yearly re-pricing on each anniversary of financing

    PKRV
    5 Year PKRV + 4.00% for first 5 years
    5 Year PKRV + 4.00% or 1 Year KIBOR + 4.00% for remaining tenor
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 85% of the market value of property

    Eligibility Criteria

    CitizenshipResident Pakistani/Non Resident Pakistani
    Age
    For salaried Individuals: 23-60* years
    *Age at the time of maturity of facility

    For SEB/SEP: 27-65* years
    *Age at the time of maturity of facility
    Total Years in Employment / Business
    Salaried
    Permanent
    Government Organization: 1 Year
    Private / Public Organizations: 3 Years
    Contractual
    Government Organization: 3 Year
    Private / Public Organizations: 4 Years

    Self Employed Businessman / Professionals
    SEB
    3 Years & minimum 2 Years in current Business
    SEP
    3 Years

    Customer Information Form

    Customer Information FormDownload

    Documents Required for Prior Approval

    1Customer Information Form
    2Copy of CNIC
    3Copy of Salary Certificate(mentioning job status & tenor of employment)
    4Copy of latest 04 months Salary Slips
    5Copy of latest 01 year Bank Statement of Salary A/C

    1Customer Information Form
    2Copy of CNIC
    3Copy of latest 02 years Bank Statement of Personal & Business accounts along with Account Maintenance Certificate
    4NTN Certificate
    5Latest 03 Years Tax Returns
    6Ownership Documents / Tenancy Agreement of Business Premises
    7Copy of Professional Degree/Certificate (incase of SEP)

    HBFC Home Loan Calculator

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