How To Get house loan from Soneri bank in Pakistan

It is a line of credit that allows Soneri Bank clients to fulfill their dream of having the house of their dreams. Whether acquiring a new building or redesigning an existing home, this facility has different options to meet the needs of clients where the financing limit can be as low as Rs 500,000 and up to Rs 75 million with flexible tenure for repayment of up to 20 years.

Soneri Ghar Finance Benefits

1.      Fast and hassle-free application processing

2.      Zero processing fee on declined application

3.      Partial Payment option

4.      Early Settlement option

Soneri Ghar Finance Features

1.      Who can apply for financing:

Employees of legal persons, entrepreneurs, self-employed and natural persons who receive

foreign remittances.

2.      Minimum employment requirement for salaried persons:

Minimum 2 years must be spent in current employment or 3 years of constant employment with permanent status.

3. Minimum business duration requirement:

Minimum 3 years in current business

4. Maximum age requirement:

The applicant’s age must not be older than 60 years at the time of maturity of the loan for salaried persons and 70 years for entrepreneurs and freelancers.

5. Minimum monthly income requirement:

a.       100,000 rupees / – (net take-home salary) for salaried persons

b.      300,000 rupees / – for entrepreneurs and self-employed professionals

c.       200,000 rupees / – for people receiving foreign remittances

6.  Profit margin:

Year KIBOR plus 4%*

7. Maximum finance amount:

Rs.75 million (Rs.10 million for extension/renovation)

1.      Loan to value is allowed:

Max. 70% (Max. 50% for extension/renovation)

2.      Minimum and maximum tenure of Finance:

1 year to 20 years (Max. 10 years for extension/renovation)

Soneri Ghar Finance Terms & Condition

Purpose of Finance:

3.      Purchase of constructed residential house/flat for self-occupancy

4.      Construction of residential house on owned land for self-occupancy

5.      Purchase of land plus construction of residential house for self-occupancy

6.      Extension / Renovation on self-occupied residential house

7.      Balance Transfer Facility (BTF)

Eligible Borrowers:

1.      Salaried Individuals

2.      Businessmen and Self-employed Professionals

3.      Individuals receiving Foreign Remittance

Financing Amount:

1.      Upto Rs.75 million (Upto Rs.10 million for extension/renovation)

2.      Loan To Value (LTV)

3.      Max. 70% (Max. 50% for extension/renovation)

4.      Tenure

5.      Max. 20 Years (Max. 10 Years for extension/renovation)

How to Apply For Soneri Ghar Finance

Click on the link to apply for the Soneri Bank Loans:

Soneri Bank Contact Information

Phone No: 021-111-SONERI (766-374)

Web Address:

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