HBFC is striving to be a socially responsible and commercially sustainable housing finance institution.


Ghar Sahulat Scheme 

Type of Financing:

  • Purcahse
  • Construction

Eligibility Criteria:

  1. Citizenship:
    • Resident Pakistani
    • Non Resident Pakistani
  2. Facility of Applicant / Co-applicant  / Guarantor:
    • Primary (or Single) & Co-applicant allowed
    • Co-applicant must be an immediate family member
    • Guarantor must be a family member having inheritance right in the property to be mortgaged
  3. Age of Applicant / Co-applicant  / Guarantor:
    • Salaried: 21 – 60 years
    • Self-employed Businessmen / Self-employed Professionals: 25– 65 years
  4. Income Criteria:
    • Verifiable net disposable monthly income
  5. Employment / Business / Professional Tenure:
    Permanent Contract
Government At least 01 year At least 02 years
  Other At least 02 years At least 03 years
  • Self Employed Professional (SEP): at least 02 years
  • Self Employed Business (SEB): total business tenure of at least 03 years and minimum 02 years in current business.

Expatriate Pakistani’s: Total Employment experience of at least 02 years.

Product Features

  Ghar Sahulat Scheme - Construction
Income Criteria Verifiable net disposable monthly income
Facility Amount

Up to 30 Million

Facility Tenure 3 – 25 years
Profit Rate
  • Salaried: 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.

Pricing 1 Year KIBOR of last working day of the previous month mentioned on SBP’s official website shall be applied for fresh and renewal case during the following whole month.
Loan To Value (LTV) Ratio / HBFC’s Share Up 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  As Per SOC Under General Information Tab (SOC)
Insurance / Takaful

As Per SOC Under General Information Tab (SOC)

Collateral Specifications
  • The construction is as per the approved building plan

  • For the front coastal line for e.g. front row of Sea View Township and Darakhshan Villas, DHA / Clifton Karachi, subject to the soundness certificate from approved PBA Valuer.

Last updated on: 03 Oct, 2022