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Home Finance

If you have always dreamt of having, a home of your own, now is the time to make your dreams a reality with HABIBMETRO Home Finance. You can now avail HABIBMETRO Home Finance Loan to buy, build, or renovate a house through our affordable and flexible financing options.

Product Offerings

HABIBMETRO Home Finance is offering four product variants:

  • Home Purchase: This type of facility allows you for the purchase of the constructed property.
  • Home Builder/ Plot + Construction: This type of facility is extended to customers who already own land / want to purchase a piece of land and need funds to meet the cost of constructing the property.
  • Home Renovation: This facility is being offered to customers who already own a house and require funds for renovations.
  • BTF (Transfer existing home finance facility): This type of facility allows you to transfer your existing home finance facility from any other bank to HABIBMETRO.

Customer Eligibility Criteria

Particulars Details
Minimum Age of Borrower 27 Years
Maximum Age till Maturity of Loan 60 Years (Salaried)
65 years (SEB/SEP)
Minimum Salary /Income PKR 100,000/- (Permanent)
PKR 125,000/- (Contractual)
Average Balance of PKR 150,000/- per month (SEB/SEP)
Loan Tenure Minimum 1 Year & Maximum 25 Years
Length of Employment/ Business Minimum 2 Years
Finance Amount Minimum PKR 500,000 and Maximum PKR 100 Million

Key Features:

 

  • Easy home loan in Pakistan
  • Low mark-up rates
  • Low processing fee
  • Flexible installment plan
  • Minimum documentation
  • Financing up to 80% of your property value
  • Affordable and competitive monthly installments

Minimum Documentation:

 

  • Filled out application form
  • CNIC copy of the applicant
  • Proof of income documents
  • Copies of property documents/details of property
Document Checklist

Home Finance Calculator

FAQs

  • How can I finance a house on easy installment in Pakistan

Visit your nearest HABIBMETRO branch and submit the following documents to initiate the financing process:

    • Application Form
    • Two Photographs
    • CNIC (Original Seen)
    • Employment Letter (Only for Salaried)
    • Three Months’ Pay Slips
    • Account Maintenance Certificate (Only for Businessman)
    • Six Months’ Salary Account Statement

  • How much home loan can I get in Pakistan?

Minimum loan amount of PKR 500,000 with a maximum of PKR 100 million for a maximum tenure of 25 years. The maximum loan amount that can be availed is dependent upon the applicants’ salary/income, age, Debt-Burden Ratio (DBR), and price of the property itself.

  • Which home finance in Pakistan is best?

To get the best home finance, an applicant should look at two main things before choosing a Bank. The turnaround time of the loan applications and the interest rate; the lower these are the better. HABIBMETRO ensures that the Bank’s customers enjoy the best home financing options.

How To Apply

To apply or get more details, visit your nearest HABIBMETRO branch or call our 24/7 customer care centre at 111-1-HABIB (42242).