UBank Loan Pakistan – Ubank Loan – UBank Home Loan Online Apply

Table of Contents

UBank Loan in Pakistan 2023 – UBank Loan – UBank Loan Online Apply

  1. UBank Home Loan 2023
  2. Apna Karobaar UBank Loan 2023
  3. Salary Ubank Loan 2023
  4. UBank Home Loan  2023
  5. Bartha Karobar UBank Loan  2023
  6. Livestock UBank Loan 2023
  7. Pension UBank Loan 2023
  8. Motorbike UBNak Loan 2023
  9. Agricultural UBank Loans 2023
  10. Karsaz Gold UBank Loan 2023
  11. Tractor & Equipment UBank Loan 2023
  12. Zarai Qarza UBank Loan 2023
U Bank Home Loan – Government Mark-up Subsidy Scheme
UBank Loan Pakistan
U Bank Home Loan – Government Mark-up Subsidy Scheme
U Bank Home Loan – Government Mark-up Subsidy Scheme

U Microfinance Bank Ltd. (Ubank Loan) is a wholly-owned subsidiary of Pakistan Telecommunication Company Limited (PTCL) – Etisalat Company. The bank has a network of more than 200 branches, across 183 cities and rural areas in Pakistan and offers a wide range of microfinance UBank loans, deposit products, and branchless banking solutions. UBank’s branchless banking offers services under the banner of UPaisa in collaboration with Ufone (Pak Telecom Mobile Limited). The service is offered at nearly 45,000 agent locations across Pakistan.

Also Check: Akhuwat Loan Scheme

Also Check: Prime Minister Youth Loan Scheme

Also Check: Prime Minister Laptop Scheme


UBank Home Loan 2023

Ubank Loan offers a home loan facility for business owners, salaried individuals, and pensioners to build or renovate a home.

U-Bank-Branches 2023 Click Here

Helpline:

UAN: +92 51 111-282-265
Toll-Free: 0800-82265


Head Office:

2nd Floor, 13-B, Jinnah Super Market, F-7, Islamabad.
Ph: +92 51 111-182-265
Fax: +92 51 2275923

U Bank in Map

Click Here

UBank Loan Salient Features 2023

Loan facility from PKR 150,000 to PKR 1,000,000
Loan tenure from 3 to 10 years
Loan repayment in easy monthly installments
Minimum markup rate
Provision of the loan in case of joint/family property


Required Documents:

Original CNIC
Passport size photo (recent)
Proof of income
Offered property-related documents
Offered property should be free from any bar and charges

Apna Karobar – Premium Murabaha Financing 2023

We offer financing facilities based on the Murabaha Islamic mode of finance for small and medium-sized entrepreneurs to help them meet their business and financial needs. By availing of this financing facility, retailers, medium-size firms, and school owners can expand their existing businesses by purchasing raw materials and necessary business equipment.

Salient Features:

  • Financing amounts of up to PKR 350,001 to 1,000,000/-
  • Financing tenure 06 – 24 months
  • Financing repayment in monthly installments
  • Hassle-free Financing processing
  • Complementary Credit Family Takaful facility
  • Financing facilities for women on a priority basis
  • Financing against the collateral of gold bullion, gold ornaments, gold biscuits, jewelry, etc. as per bank policy.

Minimum Required Documents

  • Valid CNIC
  • One passport-size photograph
  • Copy of utility bill of applicant

Apna Karobaar UBank Loan Pakistan 2023

Ubank Loan offers individual loan facilities against personal guarantees for micro-entrepreneurs to finance their working capital requirements or purchase assets in the expansion of their business and income.

Basic Features:

Loan facility up to PKR 350,000*
Loan tenure from 6 to 24 months
Free loan insurance in case of death/ permanent disability
Loan facility against the individual guarantee
Loan repayment in equal monthly installments

Required Documents:

Copy of CNIC of applicant and guarantor
1 passport-size picture of the applicant and guarantor
Copy of utility bills of applicant and guarantor
Utility bill of the residence (in case of salaried guarantor)

Salary UBank Loan Pakistan 2023

Ubank Loan offers a loan facility for salaried individuals to provide them access to funds to fulfill their emergency needs up to PKR 350,000 without any worry.

Basic Features:

Loan facility up to PKR 350,000
Loan option for government, semi-government, and private sector employees
Embedded credit life and health insurance facility
Loan disbursement with min. turnaround time
Loan repayment in equal monthly installments

Required Documents:

Computerized original CNIC
1 passport-size picture
Salary slips

UBank Home Loan 2023 – Government Mark-up Subsidy Scheme

Low-Cost Housing Finance under Government Mark-up Subsidy Scheme

U Microfinance Bank offers a Housing Finance facility under the Government’s Mark-up subsidy scheme to businesses & salaried individuals for the purchase of a new house or a flat, construction of a house, or extension of an existing house.

Basic Product Purpose:

For the purchase or construction of a house or a Flat
For purchase of land for house construction
For house construction on the customer’s own land
Expansion in the existing house

Eligibility Criteria:

Pakistani Resident having valid CNIC
Age limit 25-60 years (at the time of loan application)
First-time Homeowner
Minimum monthly income Rs.25,000

Salient Features:

Loan facility from PKR 500,000 to PKR 2,000,000
Loan tenure from 5 to 20 years
Loan repayment in easy monthly installments
Income clubbing is allowed with immediate family members
In-Line with SBP’s direction regarding GMSS, the financed housing unit will be mortgaged in the favor of UMBL.

Financing facility available for:

House with a covered area of 5 Marla/125 sq yards
Flat having a covered area of 1250 sq ft.

Mark-up Rate:

First 05 years    5%
06-10 years    7%
Above 10 years    KIBOR + 7%

Required Documents:

Original CNIC
Passport size photo (recent)
Proof of income
Title documents of the property to be mortgaged
Offered property should be free from any bar and charges

Bartha Karobar Loan (MSME Loan) 2023

U Microfinance Bank offers a larger size loan facility for small and medium-sized entrepreneurs to help them meet their business financial needs. By availing of this loan facility retailers, medium-sized firms, and school owners, and can expand their existing businesses by purchasing raw materials, and necessary business equipment

Salient Features:

UBank loan amount of up to PKR 350,001 to 600,000
Loan tenure 06 – 24 months
Loan repayment in monthly installments
Hassle-free UBnak loan processing
Loan facility on individual guarantee
Life insurance facility*
UBank loan facility for women on a priority basis

UBank Livestock Loan Pakistan 2023

U Microfinance Bank offers Livestock Loans, which brings so much ease to both men and women involved in the livestock business to fulfill all their business needs i.e. purchasing and looking after their livestock, breeding, shed construction, medicine and vaccination, purchasing milk chillers, and acquiring other related equipment and materials.

Livestock and Dairy Loan

UBank Loan Salient Features:

Loan amount up to PKR 150,000 for purchasing small and large animals, and meeting livestock-related business needs
Loan tenure is 6 to 12 months
Loan facility on personal and group guarantee *
Complimentary Credit Life insurance
Optional health insurance for clients
Repayment of a loan in monthly installments or lump sum payments, as per borrower’s convenience

Required Documents:

Valid CNIC
One passport-size photograph
Livestock and Dairy Loan (Plus)

UBank Loan Salient Features:

Loan for purchasing large animals and meeting livestock-related business needs
UBank loan amount of up to 1,000,000
UBank loan tenure is 6 to 36 months
Individual Loan facility
Insurance facility for specific tagged animals
Complimentary Credit Life Insurance
Optional Health Insurance for clients
Loan repayment in monthly/six-monthly installments, as per borrower’s convenience

Pension Ubank Loan 2023

U Microfinance Bank Limited offers a loan facility of up to PKR 350,000 for pensioners (Government & Semi-Government). The UBank loan can fund personal and business needs.

UBank Loan Basic Features:

UBank loan facility up to PKR 350,000
UBank loan repayment in equal monthly installments
UBank loan tenure up to 24 months

Required Documents:

Original CNIC
One passport-size photograph of the applicant
Pension book

Motorbike UBank Loan Pakistan 2023

U Microfinance Bank in collaboration with Atlas Honda offers a Motorbike loan facility through which small-scale business and salaried individuals can own their motorbike in a very short time and with easy monthly installments.

Features:

Easy Installments of 6 to 24 months
Minimum down payment for the motorbike
Fast processing
Minimum markup rate
Free life insurance
Complete motorbike insurance
Free accidental insurance

Who can avail of the loan?

Pakistani resident
Between ages 18-67 years at the time of UBank loan application
A salaried individual, a self-employed professional, or a business person
Minimum 1 year of working or business experience

Required Documents:

CNIC of the applicant
1 passport-size picture
Proof of employment/business
CNIC of the guarantor

Agricultural UBank Loans Pakistan 2023

U Microfinance Bank offers Agricultural loans for small and medium-scale farmers so that they could easily and timely purchase seeds, fertilizers, pesticides, modern agricultural machinery & tools, and additional agricultural land.

Zarai Qarza (Agricultural Loan)

Salient Features
UBank loan amount up to  PKR 150,000 to meet the basic needs of the agriculture sector
Loan tenure up to 15 months
Easy and fair UBnak loan processing
Life and health insurance for clients*
Loan facility on personal and collective guarantee
Lump-sum loan repayment

Minimum Required Documents

Valid CNIC
One passport-size photograph
Agri Pass Book Loan

Salient Features

UBank loan amount of up to PKR 1,000,000
Loan tenure is 6 to 60 months
To meet all agricultural needs such as  purchasing fertilizers, seeds, pesticides, and agricultural machinery & equipment
UBank loan facility without any individual guarantee
Complimentary credit Life insurance
Optional Health Insurance for the client
Complimentary crop Insurance
Loan repayment in semiannual/annual installments

Minimum Required Documents

Valid CNIC
One passport-size photograph
Copy of utility bill of applicant and guarantor
Attested copy of Agri Pass Book
Documents of Fard Jamabandi attested by Patwari

Karsaz Gold UBank Loan Pakistan for Business 2023

U Microfinance bank limited offers individual loan facilities for micro-entrepreneur, agriculture/livestock businesses/ business ventures to meet their business working capital needs, purchase of assets to enhance their business and income against the collateral of gold bullion, gold ornaments, gold biscuits, jewelry, etc. The loan can be extended for the establishment of a new enterprise and caters needs of salaried individuals, retired persons, and housewives for emergency needs. The UBank loan can be extended for house renovation.

Basic Features:

Loan facility up to PKR 1,000,000
No guarantor requirement
Immediate loan facility
Loan repayment in monthly installments or lump sum payment
Minimum documentation required
Embedded credit life insurance

Required Documents:

Computerized original CNIC
1 passport-size picture
Copy of Utility bills

Tractor & Equipment UBank Loan Pakistan 2023

U Microfinance Bank in collaboration with Millat Tractor & Al-Ghazi Tractors offers tractor & agriculture equipment UBank loan facilities to those farmers who cannot afford their own tractor or other necessary machinery. Farmers can use this UBank loan to purchase agriculture machinery such as tractors, trailers, threshers, Laser levelers, sprayers, seed drills, combine harvesters, levelers, fodder cutters,s, etc.

Features:

Minimum down payment for the tractor
UBank loan facility of up to PKR 1,000,000
Loan tenure 12 to 60 months
Tractor insurance facility
Loan disbursement with minimum turnaround time
Embedded credit life insurance
Availability of Millat tractor on a priority basis from the nearest selected dealership
Half-yearly installments for tractor & equipment UBank loan

Required Documents:

Original CNIC
Proof of land ownership/Agri passbook copy/revenue record copy/hard copy
One passport-size photograph of the applicant

Zarai Qarza UBank Loan Pakistan 2023

U Microfinance Bank offers a loan facility for small-size farmers to purchase seeds, fertilizers, pesticides, irrigation, and agriculture-related equipment at the time of their production activity.

Salient Features:

Loan facility up to PKR 150,000
The easy and transparent loan process
Loan tenure up to 12 months
Lump-sum repayment at maturity of loan tenure
Individual and group loan facility

Required Documents:

Valid CNIC of applicant & guarantor
1 passport-size picture of the client & guarantor
Copy of utility bill of applicant and guarantor

Mark-up Rate:

First 05 years                      5%
06-10 years                        7%
Above 10 years    KIBOR + 7%

U Bank Loan in Pakistan

اپنا کروبار لون

یو مائکرو فنانس بینک لمیٹڈ مائیکرو کاروباری شخصیات کو ان کے
کاروبار اور آمدنی میں توسیع کے لئے اپنے ورکنگ سرمایے کی ضروریات کی فراہمی یا
اثاثوں کی خریداری کے لئے ذاتی ضمانت کے خلاف انفرادی قرض کی سہولت فراہم کرتا ہے۔

بنیادی خصوصیات:

پی کے آر 350،000 تک قرض کی سہولت *

قرض کی مدت 6 سے 24 ماہ تک

موت / مستقل معذوری کی صورت میں مفت قرضہ انشورنس

انفرادی ضمانت کے خلاف قرض کی سہولت

مساوی ماہانہ قسطوں میں قرض کی ادائیگی 

مطلوبہ دستاویزات:

درخواست دہندہ اور ضامن کی CNIC کی کاپی

درخواست گزار اور ضامن کی 1 پاسپورٹ سائز کی تصویر

درخواست دہندہ اور ضامن کے یوٹیلیٹی بلوں کی کاپی

رہائش کا یوٹیلیٹی بل (تنخواہ لینے والے ضامن کے معاملے
میں




Apna Karobaar UBank Loan 2023

U Microfinance Bank Limited (Ubank Loan Pakistan) offers individual UBank loan facilities against personal guarantees for micro-entrepreneurs to finance their working capital requirements or purchase assets in the expansion of their business and income.

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Basic Features:

Loan facility up to PKR 350,000*
Loan tenure from 6 to 24 months
Free UBank loan insurance in case of death/ permanent disability
Loan facility against the individual guarantee
Loan repayment in equal monthly installments

Required Documents:

Copy of CNIC of applicant and guarantor
1 passport-size picture of the applicant and guarantor
Copy of utility bills of applicant and guarantor
Utility bill of the residence (in case of salaried guarantor)

تنخواہ لون

یو مائکرو فنانس بینک لمیٹڈ تنخواہ دار افراد کے لئے قرض کی سہولت
فراہم کرتا ہے تاکہ وہ کسی پریشانی کے بغیر پی کے آر 350 350 350،
to to emergency تک اپنی ہنگامی ضروریات
کو پورا کرنے کے لئے فنڈز تک رسائی حاصل کرسکیں۔
 

بنیادی خصوصیات:

PKR 350،000
تک قرض کی سہولت

سرکاری ، نیم سرکاری اور نجی شعبے کے ملازمین کے لئے قرض کا آپشن

ایمبیڈڈ کریڈٹ لائف اور صحت انشورنس کی سہولت

منٹ کے ساتھ قرض کی فراہمی۔ موڑ کا وقت

مساوی ماہانہ قسطوں میں قرض کی ادائیگی

مطلوبہ دستاویزات:

کمپیوٹرائزڈ اصل CNIC

1 پاسپورٹ سائز کی تصویر

تنخواہ پھسل گئی

 

Salary UBank Loan Pakistan 2023

U Microfinance Bank Limited (Ubank Loan Pakistan) offers a loan facility for salaried individuals to provide them access to funds to fulfill their emergency needs up to PKR 350,000 without any worry.

Basic Features:

Loan facility up to PKR 350,000
Loan option for government, semi-government, and private sector employees
Embedded credit life and health insurance facility
Loan disbursement with min. turnaround time
Loan repayment in equal monthly installments

Required Documents:

Computerized original CNIC
1 passport-size picture
Salary slips

U Microfinance Bank offers Commercial Vehicle Finance which allows its customers to fulfill their business needs such as transportation for enterprise goods, agriculture commodities, livestock, milk supply, and passenger mobility.

Salient Features:

  • Loan facility up to PKR 3,000,000
  • Financing of new and used vehicles manufactured by all local brands
  • Minimum Down payment of 20%
  • Loan tenure of up to 5 years
  • Complete vehicle insurance and tracker facility
  • Minimum documentation required

Required Documents:

  • Original CNIC
  • Passport size photo
  • Proof of business

موٹر بائک لون

یو مائکرو فنانس بینک اٹلس ہنڈا کے ساتھ مل کر موٹر بائک قرض کی
سہولت پیش کرتا ہے جس کے ذریعے چھوٹے کاروبار اور تنخواہ لینے والے افراد بہت ہی
کم وقت میں اور آسان ماہانہ قسطوں کے ساتھ اپنی موٹرسائیکل کا مالک بن سکتے ہیں۔
 

خصوصیات:

6 سے 24 ماہ کی آسان قسطیں

موٹرسائیکل کی کم سے کم ادائیگی

فاسٹ پروسیسنگ

کم سے کم مارک اپ ریٹ

مفت زندگی کی انشورنس

موٹرسائیکل کی مکمل انشورنس

مفت حادثاتی انشورنس

قرض سے کون فائدہ اٹھا سکتا ہے؟ 

پاکستانی رہائشی

قرض کی درخواست کے وقت عمر 18-67 سال کے درمیان

ایک تنخواہ دار فرد ، خود ملازمت والا پیشہ ور یا کاروباری شخص

کم سے کم 1 سال کام کرنے یا کاروباری تجربہ 

مطلوبہ دستاویزات:

درخواست گزار کا CNIC

1 پاسپورٹ سائز کی تصویر

ملازمت / کاروبار کا ثبوت

ضامن کا CNIC 

Motorbike UBank Loan Pakistan 2023

Ubank Loan Pakistan in collaboration with Atlas Honda offers a Motorbike loan facility through which small-scale business and salaried individuals can own their motorbike in a very short time and with easy monthly installments.

Features:

Easy Installments of 6 to 24 months
Minimum down payment for the motorbike
Fast processing
Minimum markup rate
Free life insurance
Complete motorbike insurance
Free accidental insurance
Who can avail of the Ubank loan?

Pakistani Resident

Between ages 18-67 years at the time of UBank loan application
A salaried individual, a self-employed professional, or a business person
Minimum 1 year of working or business experience

Required Documents:

CNIC of the applicant
1 passport-size picture
Proof of employment/business
CNIC of the guarantor

Life main UPaisa karo, gay barho!

UPaisa brings the convenience of making payments, fund transfers, and mobile balance recharge with just a single tap. UPaisa a joint collaboration between U Microfinance bank & Ufone launched innovative branchless banking solutions for the masses of Pakistan back in October 2013. UPaisa provides financial inclusion by providing ease of access to financial services at the last mile.

Bringing convenience to you, the wide range of UPaisa services includes:

  • Banking services
  • Loan repayments
  • Toll payment
  • School fee payments
  • Prepaid mobile recharge
  • Postpay bill payment
  • Bill payment
  • Money transfers
  • Debit card
  • Donation

FAQs – UBank Loan Pakistan

What types of loans does UBank offer in Pakistan?

UBank offers a variety of loans, including personal loans, home loans, car loans, and business loans, to meet the diverse financial needs of its customers.

How can I apply for a UBank loan in Pakistan?

To apply for a UBank loan, you can visit their official website and fill out the online application form. Alternatively, you can visit a UBank branch or contact their customer service for assistance with the application process.

What are the eligibility criteria for UBank loans?

Eligibility criteria may vary depending on the type of loan. Generally, UBank considers factors such as your credit history, income, and employment status. Specific eligibility requirements can be obtained from UBank’s website or by contacting their customer service.

What documents are required for a UBank loan application?

The required documents may vary based on the type of loan. Commonly requested documents include proof of identity, proof of income, bank statements, and property documents (for home loans). Check UBank’s website or consult with their representatives for a comprehensive list.

How long does it take for a UBank loan to be approved?

The approval time for UBank loans can vary depending on the type of loan and the completeness of your application. Typically, UBank strives to process loan applications efficiently, and you can inquire about the estimated approval time during the application process.

What interest rates are offered by UBank for loans in Pakistan?

Interest rates may vary based on the type of loan, prevailing market conditions, and individual factors. UBank usually provides detailed information about interest rates on their website or through customer service. It is recommended to compare rates and terms before making a decision.

Can I prepay or settle my UBank loan early?

Yes, UBank usually allows customers to prepay or settle their loans before the maturity date. However, it is advisable to check the specific terms and conditions related to prepayment penalties or fees, if any.

How do I check the status of my UBank loan application?

You can check the status of your UBank loan application by contacting their customer service, visiting a branch, or logging into your online account on the UBank website, where you may find a dedicated section for application status updates.

What happens if I miss an EMI payment on my UBank loan?

If you miss an EMI (Equated Monthly Installment) payment, UBank may charge late payment fees and it could negatively impact your credit score. It is crucial to inform UBank in advance if you anticipate difficulties in making a payment to explore possible solutions.

How can I contact UBank customer support in Pakistan?

You can contact UBank’s customer support through their helpline, email, or by visiting a local branch. Contact details are usually available on the official website.

Please note that the information provided here is general, and it is recommended to refer to UBank’s official resources or contact their customer service for the most accurate and up-to-date information.

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UBank Loan in Pakistan  2023 – UBank Loan – UBank Loan Online Apply
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