The HBL Ghar Scheme 2025 helps Pakistanis buy, build, or renovate homes through affordable financing. Offered by Habib Bank Limited (HBL), it includes both Islamic and conventional options for local and overseas Pakistanis.
Quick Facts
| Program / Scheme | Status | Assistance / Rate | Application Mode |
|---|---|---|---|
| HBL Islamic Home Finance (Diminishing Musharakah) | Active (2025) | Floating & fixed rental (~12.50%) | Via HBL Islamic branch or portal |
| HBL Roshan Apna Ghar | Active | Shariah-compliant financing for overseas Pakistanis via RDA | Through Roshan Digital Account or branch network |
What is HBL Home / Islamic Home Finance
HBL Islamic Home Finance follows the Diminishing Musharakah model where the customer and bank jointly own the property. Over time, the customer buys the bank’s share while paying rent on the remaining portion.
Other products include Roshan Apna Ghar for overseas Pakistanis and Prestige Home Finance for high-income clients.
Eligibility Criteria
General Requirements
- Pakistani citizens with valid CNIC
- Property ownership documents required
- Co-applicant option allowed
Age
- Salaried: 25–60 years (at maturity)
- Self-Employed: up to 65 years (depending on policy)
Income & Employment
- Salaried: Permanent job and minimum income threshold
- Self-Employed: Tax returns, financial statements and business proof
Purpose of Financing
- Purchase of ready home or apartment
- Buy + build (land + construction)
- Renovation or extension of property
- Balance transfer from another bank
Loan Amount, Tenure & Rates
Financing Range: PKR 2 million – PKR 50 million
Coverage: Up to 70% of property value
Tenure: 3 – 25 years
Rates: Floating (~12.50%) or fixed; Prestige customers may get preferential rates
Down Payment & Equity
Applicants must pay about 30% as down payment. The bank finances the rest and ownership gradually transfers to the customer under the Diminishing Musharakah structure.
Required Documents
| Category | Documents |
|---|---|
| Personal | CNIC, passport-size photos |
| Income | Salary slips, bank statements, business financials, tax returns |
| Property | Title deed, registration papers, approved plan |
| Others | Completed application form, co-applicant documents (if any) |
How to Apply
- Visit the nearest HBL Islamic or Home Finance branch.
- Request and fill the application form.
- Attach required documents.
- Bank verifies income and property details.
- Property valuation is conducted.
- Upon approval, funds are released as per schedule.
- Pay monthly installments until ownership fully transfers.
You may also apply online via HBL’s website for Islamic or Roshan Apna Ghar finance.
Benefits
- Shariah-compliant and interest-free financing
- Tenure up to 25 years
- Up to 70% property financing
- Nationwide branch support
- Facilities for overseas Pakistanis
- Possible discounts or waived fees
Things to Consider
- Strict credit and income verification
- Property must meet HBL criteria
- Floating rates can change installments
- Upfront down payment required
- Legal and valuation fees may apply
Conclusion
The HBL Ghar Scheme 2025 offers flexible, Shariah-compliant home financing for Pakistanis looking to buy, build or renovate homes. With long tenures, high loan limits and interest-free Islamic options, it’s a trusted solution for both local and overseas clients. Check your eligibility and apply at your nearest HBL branch or online.
FAQs About HBL Ghar Scheme
1. What is the maximum loan amount?
Up to PKR 50 million, depending on eligibility.
2. Can overseas Pakistanis apply?
Yes, through the Roshan Apna Ghar program under RDA.
3. How much down payment is needed?
Usually around 30% of the property value.
4. What is the loan tenure?
Between 3 and 25 years.
5. Is it interest-free?
Yes, the Islamic Home Finance follows a Shariah-compliant Diminishing Musharakah model.
