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Offers / Tenure

The charges stated above are subject to change considering market dynamics and maybe revised from time to time. The charges stated above are subject to change considering market dynamics and maybe revised from time to time.

The charges stated above are subject to change considering market dynamics and maybe revised from time to time.

The charges stated above are subject to change considering market dynamics and maybe revised from time to time.

Eligibility Criteria

	Salaried Individuals	Self-Employed Business Persons/ Professionals
Nationality	Pakistani (Resident & Non Resident Pakistani)	Pakistani (resident)
Age criteria: For the main applicant and co-borrower, whose income is being clubbed.	Minimum age at the time of loan application should be 25 years. Maximum age at the time of loan maturity should be 60 years	Minimum age at the time of loan application should be 30 years. Maximum age at the time of loan maturity should be 65 years
Length of Employment	Permanent employees Minimum 5 year experience; 6 months experience with confirmed employment status in the current job	Minimum 5 year experience in personal business

Documents Required

Documents required for processing of HBL Home Loan application may include but not limited to:​

a. Salaried Individuals

• CNIC copy
• Passport size photographs x 2
• Letter from employer
• Salary slips or attested salary certificate for last 3 months
• Bank statement for last 12 months
• Copies of property documents

b. Self-Employed Business persons/Professionals

• CNIC copy
• 2 passport size photographs
• Proof of Occupation:
  • Proprietorship Certificate
  • Registered Partnership Deed
  • Articles & Memorandum of Association with latest Form A & 29
  • Degree/Diploma/Certificate in case of Professional
• Bank Statement for last 12 months
• NTN / Tax Returns
• Copies of property documents

Schedule of Bank Charges

Application processing charges	PKR 10,000 (non-refundable)
Early settlement charges	10% of principal settled 5% after 50% tenure has lapsed
Partial payment charges	10% of principal settled 5% after 50% tenure has lapsed
Late payment charges	PKR 1,000 (for each late payment)
Property evaluation fee	PKR 3500 for each valuation
Legal fee	PKR 10,000