Al Baraka Home Finance | Al Bait Home Finance | Home loan in Pakistan

Al Baraka Al Bait Home Finance, is the solution for your home financing needs. You can own your dream home, renovate and even build one. Our Al Baraka Al Bait that complies with the Shariah Home Finance offers you the following options:

1. Home purchase – Direct purchase

2. Land + Construction

3. Construction

4. Home improvements / renovations

5. Asset transfer service

Al Baraka Home Finance Main Features

a)      Complies with Shariah

b)      Minimum financing amount – Rs. 0.3 million

c)      Maximum funding – up to Rs. 35 millions

d)     Financing up to 80% of the property’s value

e)      Take-home net monthly minimum 50,000 rupees / – (for salaried employees)

f)       Net monthly take-home minimum 80,000 rupees / – (for SEP / SEB)

g)      Fast processing time

h)      Affordable monthly payment

i)        Option to reschedule term

j)        Early and partial settlement options according to the applicable terms

AL Baraka Home Finance Required Document


a)      Two recent passport size photographs.

b)      Copy of current CNIC.

c)      Employment certificate / salary receipts for the last 3 months (preferably certified by the Human Resources Department).

d)     Bank statement for the last six months that reflects the salary credit.

e)      Form 29 in the case of directors.

f)       Certificate of account maintenance.

Professionals / self-employed entrepreneurs

a)      Copy of current CNIC.

b)      NTN certificate.

c)      Proof of three years in continuous activity (Letter of Property / partnership deed / tax returns for the last 3 years with income).

d)     Bank declaration for the last six months.

e)      Copies of the last two utility bills paid (residence and deal).

f)       NOC of partners (if applicable).

g)      Verified signature of the bank.

h)      CNIC of partners (if applicable).

i)        Form 29 in the case of directors.

j)        Certificate of account maintenance.

Al Baraka Home Finance Calculator/ Apply online

Following link has an application form as well as car loan calculator, for those who seek to apply for Al Baraka home loan:

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