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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
    Financing AmountUp to PKR 30 Million in selected cities
    Financing Tenor3 — 20 years
    Markup Rate
    Ghar Sahulat Scheme
    Salaried: 1 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

    Ghar Sahulat Scheme: PKRV Variant
    5 Years PKRV* + 4% for first 5 years
    5 Years PKRV* + 4% or 1 Year KIBOR* + 4% for remaining tenor
    *PKRV rate will be taken of the last working day of previous month
    *KIBOR rate will be taken of the last working day of previous month
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 85% of the market value of property

    Eligibility Criteria

    CitizenshipNon Resident Pakistani
    AgeFor salaried Individuals: 23-60* years
    *Age at the time of maturity of facility
    Total Years in Employement3 Years

    Customer Information Form

    Customer Information FormDownload

    Documents Required for Prior Approval

    1Customer Information Form
    2Copy of CNIC/NICOP
    3Copy of Salary Certificate(mentioning job status & tenor of employment)
    4Copy of latest 06 Months salary slips
    5Copy of latest 01 year Bank Statment of Salary A/C
    6Foreign credit report
    7Copy of valid Passport & Visa
    8Copy of Work Permit
    9Copy of Resident Card
    10Proof of remittance(Including receipt of remittances or 01 year local bank statement reflecting the remittance)

    HBFC Home Loan Calculator

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