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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

    Purpose- Purchase of house/apartment
    - Construction of house on already owned plot
    - Purchase of plot and construction of house
    Income CriteriaVerifiable net disposable monthly income
    Financing AmountTier 1: Up to PKR. 2 Million
    Tier 2: Above PKR. 2 Million and up to PKR. 3.5 Million
    Financing Tenor3 – 20 years (Subsidy for 10 years)
    Markup RateTier 1: 5%
    Tier 2: 8%
    Loan To Value (LTV) Ratio / HBFC's ShareUp to 90%

    Eligibility Criteria

    CitizenshipResident Pakistani/Non Resident Pakistani
    Age
    For salaried Individuals: 21-60* years
    *Age at the time of maturity of facility

    For SEB/SEP: 25-70* 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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    Tentative Calculation Schedule

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