• بینک کا تشکیل کردہ درخواست فارم۔
• فعال کمپیوٹرائزڈ قومی شناختی کارڈ۔
• تین حالیہ تصاویر(پاسپورٹ سائز)
• SEB کے لیے گزشتہ 3 سال اور SEP کے لیے 2 سال کے کاروبار کا قابل قبول ثبوت۔ گزش
• گزشتہ 1سال کا بینک اسٹیٹمنٹ اور اکاؤنٹ مینٹیننگ سر ٹیفیکیٹ۔

متغیر شرح پر مبنی ہوں گی۔ 1 سالہ کائبر (قرض کی ہر سالگرہ پر جائزہ لینے کے تابع) علاوہ بینک کے سپریڈ (قرض کے پورے دور میں مقررہ)

For Home Buyer, Home Construction, Plot Purchase + Construction, Home Improvement and Balance Transfer Facility	1 to 25 years.

Home Buyer	PKR 0.3M to 100M
Balance Transfer / Home Construction	PKR 0.3M to 50M
Home Improvement – Residential House	PKR 0.3M to 20M
Home Improvement – Residential Apartment	PKR 0.3 to PKR 5 M

• All Pakistani nationals.
• Employment/Business Tenure: Minimum 2 years for Salaried and SEP, 3 Years for SEB.
• Minimum Income: Rs.60,000/- per month take home for Salaried and Rs.100,000/- per month for SEP / SEB.
• Debt Burden Ratio (DBR): Up to DBR 50% aggregate of Net Income.

Bank AL Habib has exclusive arrangements with PBA approved valuators.

The stages are as follows:

Plinth and Foundation Stage	30%
Structure completion	30%
Finishing Stage	40%

From last 1 year bank statement or income estimation whichever is applicable.

A representative from our approved income estimation agency will visit your place of business/work and appraise your income level, by going through the documents provided by you.

An account for you will be opened at the branch, closest and the most convenient to you. You will be required to deposit funds sufficient to afford a monthly installment in that account. A direct debit instruction from you in favor of Bank AL Habib would then allow us to debit the installment amount from your account on monthly basis.

If you already have an account with Bank AL Habib, you can give direct debit standing instructions in favor of Bank AL Habib which would allow us to debit the installment amount from your account on monthly basis.

We have provided you the basic information you need to know about Bank AL Habib Home Loan. If you wish to know more, you may visit any of our Bank AL Habib branch. Our designated Retail Credit /Account Officers in branches are available for your guidance.

• Visit and meet account officer at Bank AL Habib branch
• If you meet our criteria, you need to fill up application form and provide required documents.

Once you have decided on the amount you want, fill the Application Form available in all the branches and pass it on to us, together with the required documents for a formal process of the loan application and initial approval. We carry out a property valuation, legal opinion on property documents through our approved valuators and lawyers, life & property insurance coverage. Our Relationship Managers shall get in touch with you to complete Finance & Charge documentation for execution and signing. Our legal advisor and bank’s representative will accompany you at the Registrar’s office on the appointed date with our cheque for final transaction. All applications to be processed as per bank's internal procedure, and applicable laws and regulations.