Bank AL Habib – Mera Pakistan Mera Ghar

Mera Pakistan Mera Ghar.

Bank AL Habib along with the Government of Pakistan and with the support of the State Bank of Pakistan offers an affordable and flexible Housing Finance Scheme. With the help of this scheme, you can turn your dream of owning a home into a reality and secure your future.

Avail this facility through our Conventional and Islamic Banking branches.

Eligibility Criteria

  • All men / women holding valid CNIC.
  • First time home owner, one unit per household.
  • One individual can have subsidized house loan facility under this scheme only once.
  • Minimum employment / business experience of 5 years.

Monthly Income

  • Salaried Individuals – Rs. 25,000 up to Rs. 100,000/- per month net disposable income
  • Non Salaried Individuals – Rs. 25,000 up to Rs. 140,000/- per month net disposable income

Age (Applicant & Co-applicant)

  • 25 to * 60 years *at maturity

Financing Tenor

  • Up to 10 years with flexibility to go up to 20 years

Early Repayment / Unit Purchase Option

  • No restrictions on early payment / unit purchase

Property Insurance / Takaful

  • Life & Property Insurance / Takaful will be obtained.

Documents Required

  • For Non-Salaried
    • Standardized Loan Application Form
    • Valid CNIC of applicant & co-applicant (where applicable)
    • 2 recent color photographs (passport size) of applicant & co-applicant (where applicable)
    • 5 years acceptable Business Proof (e.g. NTN Certificate/Tax Returns / Bank Certificate) or any other valid business proof which may be acceptable to the bank
    • Last 6 months Bank Statement
  • For Salaried Individual
    • Standardized Loan Application Form
    • Valid CNIC of applicant & co-applicant (where applicable)
    • 2 recent color photographs (passport size) of applicant & co-applicant (where applicable)
    • Latest Salary Certificate / Employment Letter mentioning employment details and joining date
    • Salary Slips of last 2 months
    • Last 6 months Bank Statement with reflection of salary credits

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