HBL Bank Naya Pakistan Housing Scheme Loan Details

Under the Shariah compliant guidelines of Decreasing Musharakah financing mode, it offers you a convenient and affordable option to get your dream home. HBL Islamic Bank bring you the government profit subsidy scheme by which you can enjoy home financing on less than 3% rates


1.      Financing under Tier 1 is available through banks for financing under NAPHDA projects

2.      Financing under Tier 2 and Tier 3 is available through banks for financing of housing units under non-NAPHDA projects

TiersSize Of Housing UnitMaximum Price Of Housing UnitMaximum FinancingMinimum Contribution From Costumer
Tier 1 (NAPHDA Projects)House up to 125 square yards (5 Marla)
Apartments with maximum covered area of up to 850 square feet
PKR 3.5 millionPKR 2.7 million10% of property value
Tier 2House up to 125 square yards (5 Marla)
Apartments with maximum covered area of up to 1,250 square feet
No capPKR 6.0 million10% of property value
Tier 3House up to 250 square yards (10 Marla)
Apartments with maximum covered area of up to 2,000 square feet
No capPKR 10.0 million15% of property value

Eligibility Criteria:

1.      All men and women in possession of a valid CNIC

2.      Applicants must not own a home

3.      A person can make use of this benefit grant system only once


Financing tenure from 5 years to 20 years

Subsidized RateFirst 5 YearsNext Five YearsFor Period Exceeding 10Years
Tier 13%5%1 yr KIBOR plus 2.5%
Tier 25%7%1 yr KIBOR plus 4%
Tier 37%9%1 yr KIBOR plus 4%

Naya Pakistan Housing Scheme How to Apply

1.      Visit to Your nearest HBL branch to apply and more information

2.      Call 033-77-786-786 for more information

3.      www.hbl.com is official website

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