List of personal documents required from customer with application form
| S.No. | Document | Requirement |
|---|---|---|
| 1 | Passport size coloured photographs of the applicant | 3 |
| 2 | Passport size coloured photographs of the co-applicant(s) | 3 |
| 3 | Passport size coloured photographs of the guarantor(s) | 3 |
| 4 | CNIC/NADRA receipt (if CNIC issuance is under progress) of applicant | 03 copies attested (both sides) |
| 5 | CNIC/NADRA receipt (if CNIC issuance is under progress) of co-applicant (s) | 03 copies attested (both sides) |
| 6 | CNIC/NADRA receipt (if CNIC issuance is under progress) of guarantor(s) | 03 copies attested (both sides) |
| 7 | In Purchase Case Only - CNIC/NADRA receipt (if CNIC issuance is under progress) of seller | Attested Copy (both sides) |
List of income related documents required from customer with application form
| Salaried | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 04-month salary slip | Original | 1 | Latest 04-month salary slip | Original |
| 2 | Salary Certificate having following particulars (Name, CNIC, Date of Joining, Gross & Net monthly income, Terms of employment, Period of Contract) | Original | 2 | Salary Certificate having following particulars (Name, CNIC, Date of Joining, Gross & Net monthly income, Terms of employment, Period of Contract) | Original |
| 3 | Last 06-month Bank Statement | Original | 3 | Last One year Bank Statement | Original |
| 4 | Latest utility bills of electricity and GAS/PTCL | Copy | 4 | Latest utility bills of electricity and GAS/PTCL | Copy |
| Self Employed Professionals (SEPs) | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 01-year Bank Statement | Original | 1 | Latest 02-year Bank Statement | Original |
| 2 | Income Tax Return (if required) | Copy | 2 | Business Registration Certificate, issued by FBR | Copy |
| 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original | 3 | Income Tax Return | Copy |
| 4 | Ownership Documents /Tenancy agreement of business place | Copy | 4 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original |
| 5 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy | 5 | Ownership Documents /Tenancy agreement of business place | Copy |
| 6 | Professional Association Membership Certificate/Practice License | Copy | 6 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy |
| 7 | Account Maintenance Letter /Bank Relationship Certificate (if required) | Original | 7 | Professional Association Membership Certificate/Practice License | Copy |
| 8 | Account Maintenance Letter /Bank Relationship Certificate | Original | |||
| 9 | Profit & Loss Statement/Income Statement of last 02 years | Original | |||
| 10 | Two references of Suppliers/Buyers (on Company's letter head) | Original | |||
| Business Income - Self Employed Business (SEBs) | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 01-year Bank Statement | Original | 1 | Latest 02-year Bank Statement | Original |
| 2 | Income Tax Return (optional) | Copy | 2 | Business Registration Certificate, issued by FBR | Copy |
| 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original | 3 | Income Tax Return | Copy |
| 4 | Ownership Documents /Tenancy agreement of business place | Copy | 4 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original |
| 5 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy | 5 | Ownership Documents /Tenancy agreement of business place | Copy |
| 6 | Account Maintenance Letter /Bank Relationship Certificate | Original | 6 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy |
| 7 | Account Maintenance Letter /Bank Relationship Certificate | Original | |||
| 8 | Profit & Loss Statement/Income Statement of last 02 years | Original | |||
| 9 | Two references of Suppliers/Buyers (on Company's letter head) | Original | |||
| Business Income - Rental income | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 01-year Bank Statement | Original | 1 | Latest 01-year Bank Statement | Original |
| 2 | Income Tax Return (optional) | Copy | 2 | Income Tax Return (optional) | Copy |
| 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original | 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original |
| 4 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy | 4 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy |
| 5 | Ownership documents | 5 | Ownership documents | ||
| 6 | Rent agreement | Copy | 6 | Rent agreement | Copy |
| Business Income - Agricultural income | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 01-year Bank Statement | Original | 1 | Latest 01-year Bank Statement | Original |
| 2 | Income Tax Return (optional) | Copy | 2 | Income Tax Return (optional) | Copy |
| 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original | 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original |
| 4 | Certificates of ownership issued by the Tehsildar or Mukhtiarkar. | Original | 4 | Certificates of ownership issued by the Tehsildar or Mukhtiarkar. | Original |
| 5 | Annual estimated/agricultural income obtained from Revenue Department. | Original | 5 | Annual estimated/agricultural income obtained from Revenue Department. | Original |
| 6 | Ushr payment receipt. | Copy | 6 | Ushr payment receipt. | Copy |
| Business Income - Poultry, Fish & Cattle Farms and Orchid | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Latest 01-year Bank Statement | Original | 1 | Latest 01-year Bank Statement | Original |
| 2 | Income Tax Return (optional) | Copy | 2 | Income Tax Return (optional) | Copy |
| 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original | 3 | Affidavit Declaring Income on stamp paper of PKR 50 (duly attested by Notary Public) | Original |
| 4 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy | 4 | Latest utility bills of electricity and GAS/PTCL of business premises | Copy |
| 5 | Ownership Documents /Tenancy agreement of business place | Copy | 5 | Ownership Documents /Tenancy agreement of business place | Copy |
| 6 | Account Maintenance Letter /Bank Relationship Certificate | Original | 6 | Account Maintenance Letter /Bank Relationship Certificate | Original |
| 7 | Profit & Loss Statement/Income Statement of last 02 years | Original | 7 | Profit & Loss Statement/Income Statement of last 02 years | Original |
| 8 | Two references of Suppliers/Buyers (on Company's letter head) | Original | 8 | Two references of Suppliers/Buyers (on Company's letter head) | Original |
| Non Resident Pakistani | |||||
| Sr.No. | Financing Up to PKR 10 Million | Sr.No. | Financing above PKR 10 Million | ||
|---|---|---|---|---|---|
| 1 | Salary Certificate if applicant is on visit of Pakistan | Original | 1 | Salary Certificate if applicant is on visit of Pakistan | Original |
| 2 | Salary Certificate if applicant is abroad Duly attested by the Pakistan Mission in that country OR Vetted by notary public / legal counsels/solicitors of respective countries, and by the state departments operating under the immigration sections of Middle East countries |
Original | 2 | Salary Certificate if applicant is abroad Duly attested by the Pakistan Mission in that country OR Vetted by notary public / legal counsels/solicitors of respective countries, and by the state departments operating under the immigration sections of Middle East countries |
Original |
| 3 | Self-employed - affidavit/business income, Business registration certificate and confirmation by Pakistan embassy/ consulate | Original | 3 | Self-employed - affidavit/business income, IRA certificate and confirmation by Pakistan embassy/ consulate | Original |
| 4 | Passport and valid visa | Copy | 4 | Passport and valid visa | Copy |
| 5 | Copy | 5 | Tax Return | Copy | |
| 6 | Foreign Bank Statement (optional) | Original | 6 | Foreign Bank Statement | Original |
| 7 | Work permit | Valid | 7 | Work permit | Valid |
| 8 | NICOP/CNIC | Valid | 8 | NICOP/CNIC | Valid |
| 9 | Proof of remittances | Copy/ original | 9 | Proof of remittances (incase of guarantor income) | Copy/ original |
| 10 | Affidavit for NRP On stamp paper of Rs.100/- (duly attested by notary public) that he/she do not own immovable property outside Pakistan | original | 10 | Affidavit for NRP On stamp paper of Rs.100/- (duly attested by notary public) that he/she do not own immovable property outside Pakistan | original |
Last updated on: 14 Nov, 2019