Bank of Punjab Apna Ghar Financial Scheme

Your home is the center of your world, home is a place where you find peace and comfort. Bank of Punjab understands your desire about your home and how to make your house truly your home. Bank of Punjab House Financing Scheme ensures this happens in few steps:

Additionally, Bank of Punjab Apna Ghar (Self Home) financing scheme is a House Financing facility for: purchasing of already constructed home, purchase of plot on account to construct a home, construction of home on self-owned plot, renovation of home.

Bank of Punjab Home Loan Benefits

Loan PurposesMinimum Tenure of LoanMaximum Tenure of LoanGrace Period of Loan
Purchasing of constructed residential apartment and houseThree (3) YearsTwenty Five 25 YearsNo grace period allowed during Loan
Purchase of plot and constructionUp to Twelve (12) months
Construction of house on self-owned plot
Renovation of self-owned houseOne (1) YearTen (10) YearsTransaction Nature which Up to Twelve (12) months.

Bank of Punjab Home Loan Eligibility Criteria

ItemsSalaried IndividualsSelf Employed Businessmen/ Professionals
Non Residential of Pakistan
Age Limit:Up to 20 to 60 YearsUp to 25 to 65 YearsUp to 25 to 65 Years
Experience in Job:3 years job experience (i.e. Permanent/ contractual employees)3 years in current
business or profession
Valid documentary proof
of minimum 1 year of SI or 3 years for SEB/ SEP
Salary based Income:At least gross salary per month:
a. Permanent employee PKR 40,000/-
b. Contractual employee PKR 50,000/-
At least monthly income Rs.50,000/-At least monthly verify income PRs. 300,000/-
valid work visa

Bank of Punjab Home Loan Required Documents

Salaried IndividualsSelf Employed Professionals/
Non Residential of Pakistan
1)      One valid copy of CNIC
Self Spouse (if married)

2)      Two References Co-borrower (if any)
1)      One valid copy of CNIC
Self Spouse (if married)

2)      Two References Co-borrower
(if any)
1)      One valid copy of CNIC
Self Spouse (if married)

2)      Two References Co-borrower
(if any)
Four passport size photographsFour passport size photographsFour passport size photographs
One valid copy of utility bill of residenceOne valid copy of utility bill of residence and business placeOne valid copy of utility bill of living address which
stay in Pakistan
Application Form CompleteApplication Form CompleteApplication Form Complete
Salary slip (At least last 3 months)Documentation Proof of business NTN, Registration
with concerned Governing body etc.
One valid copy of valid work visa
Statement of Bank
(at least last 6 months, describing last 6 salary credits)
Statement of Bank for last 12 monthsRefer to documents which listed in
Salaried Individual if NRP is SI
Form 29 and Partnership ContractRefer of documents which listed based on Professional/ Self Employed/
One valid copy of Professional Degree, if applicable
Tax returns at least last 3 years

Bank of Punjab Markup Rate

·         For knowing the current Markup rate please visit your nearest Bank of Punjab Branch or their Website.

Installment Procedure:

·         The installment procedure is based on monthly which should be deposited in your BOP A/C on or before 5th of each month.

Penalty of Late Payment:  

·         In the late payment case, One thousand (1000) per day of installment amount from due date till the actual payment shall be charged from the customers.

Additional Charges:

·         At the rate of three percent (3%) of Principal Amount, you will be charged prepayment penalty.

Other Charges:

·         One time processing fee (non-refundable) will have to be paid by the customer.

·         Processing Fee: SI / SEP = PKR 8,000/- while Others = PKR 10,000/-

Property Locations:

·         To know the property locations visit the official website of The Bank of Punjab:

Rights and Obligations:

The customer should provide everything on time like important information about the facility.To receive notifications of any changesWithin 30 days of the announcement in terms and conditions.
Payment must be made by the customer in accordance with the terms agreed in the finance agreement.To receive the schedule of repayment
in free of cost.
 To maintain adequate funds in a bank account for monthly deductions Contacting bank officials during business hours.

How to Apply for Apna Ghar Financial Scheme

Please visit your nearest The Bank of Punjab branch and fulfill the application form with required documents.

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