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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 Non-Resident Pakistanis

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
    Financial AmountUp to PKR 30 Million in selected cities
    Financial Tenor3 — 20 years
    Markup RateSalaried: 1 Year KIBOR * + 3.00%

    Self-employed Businessmen: 1 Year KIBOR * + 3.50%

    Self-employed Professionals: 1 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)

    Eligibility Criteria

    CitizenshipNon Resident Pakistanis (NRPs)
    AgeMinimum: 23 years
    Maximum: *60 years
    *At the time of maturity of facility
    Employment Tenure
    Total employment experience of at least 03 years with minimum 02 years in present job
    Minimum Monthly Salary IncomeEquivalent to 1500 USD
    DBR (Debt-Burden Ratio)Upto 45% According to the Income Level
    Documents Required for Pre-approval1. Loan Application Form

    2. 02 Passport Size Photographs

    3. Copy of CNIC/NICOP

    4. Copy of Salary Certificate (mentioning job status & tenure of employment)

    5. Copy of Latest 04 Month Salary Slip

    6. Copy of Latest 01 Year Foreign Bank Statement of Salary Account

    7. Copy of Foreign Credit Report

    8. Copy of Passport & Valid Visa

    9. Copy of Work Permit

    10. Copy of Resident Card

    11. Proof of Remittance (including receipt of remittances or 01-year local bank statement reflecting the remittance)

    Customer will be required to submit Salary Certificate (mentioning job status & tenor of employment) duly attested by the Pakistan Mission in that country OR by notary public of respective countries OR by the state departments operating under the immigration sections of Middle East Countries at the time of final approval of facility

    Prior-approval fee/charges (non-refundable) will be applicable as per Schedule of Charges (SOC).
    Contact Person in Pakistan
    Single

    Parents / Brother / Sister Married

    Married

    Parents / Wife

    Nominated blood relative/spouse with duly executed special power of attorney to deal with HBFC (in case applicant is not visiting Pakistan) for execution of financing transaction and completion of securities.

    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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