Eligibility *
Must be Pakistani resident national, having satisfactory credit history.
Salaried Class, Self-Employed Professionals and Business Persons.
Property being financed is to be located in NBP approved localities.
Age Requirement:
For Salaried Class the minimum age is 22 years at the time of applying for the financing facility and the financing facility should expire at maximum age of 59.5 years.
Similarly for Business Persons and Self-Employed Professionals minimum age is 21 years at the time of applying for the financing facility and maximum age should not be more than 65 years at the time of the maturity of the finance.
Income Requirement:
For Govt. employees it is PKR 5000/- whose monthly salary is directly credited to his/her account maintained with NBP and employer undertaking is provided.
For rest of Salaried Class minimum net take home is PKR 10,000/-.
For Business Persons & Self-Employed Professionals minimum net take home is PKR 500,000/-..
Length of Service/Business Requirement:
Minimum 2 years with the same employer or otherwise collective and continuous employment of 3 years.>
For Business Persons & Self-Employed Professionals a minimum past history of 3 years relationship with business.
Required Documents
With duly filled Applications Form:*
Two attested passport size photographs.
Two attested copies of your CNIC.
Two attested copies of CNIC of references.
Cheque for the processing charges.
Cheque in favour of legal counsel for legal opinion.
Cheque in favour of Valuator for valuation report.
Cheque in favour of Income Estimation Company for income estimation report, if applicable.
Property Documents: Attested copy of title documents available (other documents may be required).
Bill of Quantity (BOQ) in case of HC and LPC.
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1) FOR SALARIED PERSONS, WHOSE SALARIES ARE DISBURSED THROUGH NBP BRANCH
Employer undertaking for remittance of salary at relevant NBP Branch for credit to salary account (to be provided at a later stage, format available at relevant Branch).
Salary Certificate/Service Certificate.
Copy of employee ID attested by NBP Branch (where applicable).
Attested copies of last three (3) months salary slips.
Attested copies of last three (3) months bank statement.
2) FOR SALARIED PERSONS OF MNCs AND NBP APPROVED COMPANIES
Employer undertaking duly attested by relevant NBP Branch, where applicable
Letter of Verification of Employment on Company Letterhead mentioning the date of joining.
Salary Certificate/Service Certificate.
Copy of employee ID attested by NBP Branch.
Attested copies of last three (3) months Salary Slips.
Attested copies of last three (3) months bank statements
3) FOR OTHER SALARIED PERSONS
Letter of Verification of Employment on Company Letterhead mentioning the date of joining.
Salary Certificate/Service Certificate.
Attested copies of last three (3) months Salary Slips
Attested copies of last twelve (12) months bank statements
Attested copies of last three (3) months paid bills for electricity and telephone OR copies of last (12) twelve months credit card bills (whichever is available).
4) FOR BUSINESS PERSONS
Bank Certificate stating applicant maintaining Business Account and the date of account opening.
Attested copy of latest Form 29 in case of Private or Public Limited Company.
Attested copy of Partnership Deed (where applicable)
5) FOR SELF-EMPLOYED PROFESSIONALS
Attested copy of current professional association membership/practicing certificate.
Adequate proof of professional engagement like bank certificates.
Attested copy of Partnership Deed (where applicable)
**Any other document may be required on case to case basis by the bank
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