Buying a home is one of the biggest dreams for many families in Pakistan. To make this dream easier to achieve, Habib Bank Limited (HBL) offers the HBL Ghar Scheme 2025, a complete home financing solution for people who want to buy, build, or renovate their own house. Whether you are living in Pakistan or abroad, this program offers several flexible options to suit different needs and income levels.
What Is the HBL Ghar Scheme 2025?
The HBL Ghar Scheme is a home financing program that helps Pakistanis own a house through Shariah-compliant Islamic Home Finance or conventional financing. The Islamic version is based on Diminishing Musharakah, which means that both you and the bank jointly own the property at first. Over time, as you make monthly payments, your share in the house increases while the bank’s share decreases until you become the full owner.
HBL also offers Roshan Apna Ghar, a special product for overseas Pakistanis who want to purchase or build property in Pakistan through their Roshan Digital Account (RDA). This scheme is fully compliant with Islamic finance principles and makes it easy to invest in your homeland from abroad.
Who Can Apply for the HBL Ghar Scheme?
The eligibility criteria are quite simple. Here’s what you need to qualify:
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Citizenship: Must be a Pakistani citizen.
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Age:
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Salaried employees: 25–60 years
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Self-employed individuals: up to 65 years
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Income: You must have a stable source of income—either a monthly salary or business earnings.
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Employment History: At least 1–2 years of continuous job or business record.
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Property Documents: You need valid ownership papers for the house, apartment, or plot.
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Credit History: Your financial background should be clear of unpaid loans or defaults.
How Can You Use the Financing?
The HBL Ghar Scheme can be used for several purposes:
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Buying a ready-made home or apartment
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Purchasing a plot and building a new house
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Renovating or extending an existing property
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Transferring a home loan from another bank to HBL (balance transfer)
Financing Amount, Tenure, and Rates
HBL offers flexible financing limits and repayment options:
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Loan Amount: From PKR 2 million to PKR 50 million, depending on your income and property value.
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Financing Limit: Up to 70% of the property’s market value.
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Tenure: You can choose repayment terms ranging from 3 to 25 years.
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Rate Structure:
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Islamic Home Finance: Floating or fixed “rental” rates (around 12.5% for fixed).
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Prestige Home Finance (for higher-income clients): Negotiable or preferential rates.
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Down Payment: Typically, you need to pay 30% of the property value as your share (equity).
Documents Required for Application
To apply, make sure you prepare the following documents:
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Copy of your CNIC
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Passport-sized photographs
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Proof of income:
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Salary slips and bank statements (for salaried individuals)
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Tax returns and business statements (for self-employed persons)
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Property documents: Title deed, registration papers, or allotment letter
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Completed application form
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Co-applicant details (if applicable)
How to Apply for HBL Home Finance
Step 1: Visit your nearest HBL branch that offers Islamic or home financing services.
Step 2: Request and fill out the Home Finance Application Form.
Step 3: Submit the form along with all required documents.
Step 4: HBL will verify your income, credit history, and property documents.
Step 5: A professional valuation of your property will be conducted.
Step 6: Once approved, HBL will disburse the funds according to your agreement.
Step 7: Start paying your monthly installments, which include both rental and equity portions, until full ownership is transferred to you.
If you prefer to apply online, you can also visit the HBL Islamic Finance portal for a faster process.
Key Benefits of the HBL Ghar Scheme 2025
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Shariah-compliant financing with no interest (Riba-free)
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Flexible repayment period of up to 25 years
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High financing limits up to 70% of the property value
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Available nationwide through HBL’s extensive branch network
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Overseas financing option through Roshan Apna Ghar
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Transparent process with clear terms and rental calculations
Important Things to Know
While the scheme offers many advantages, keep these points in mind:
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Floating rates can change with market conditions.
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A down payment of up to 30% is required.
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Property location and documents must meet HBL’s legal standards.
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Additional costs such as valuation or legal fees may apply.
Final Thoughts
The HBL Ghar Scheme 2025 is a solid opportunity for Pakistanis looking to buy, build, or improve their homes through affordable and Shariah-compliant financing. With flexible options for both residents and overseas Pakistanis, it combines convenience, transparency, and long-term ownership benefits.
Before applying, make sure to gather all necessary documents, confirm your eligibility, and consult your nearest HBL branch for personalized guidance. Owning your dream home in Pakistan may be easier than you think—with HBL, your “Ghar ka sapna” can truly come to life.
