Ghar Sahulat Scheme
Type of Financing:
|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.
|Ghar Sahulat Scheme - Construction|
|Income Criteria||Verifiable net disposable monthly income|
Up to 30 Million
|Facility Tenure||3 – 25 years|
* 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)