Dreaming of your own home in Pakistan? The HBL Ghar Scheme 2025 can make it a reality. Whether you want to buy a ready house, build on your land, or renovate an existing property, Habib Bank Limited (HBL) provides flexible financing options for both local and overseas Pakistanis. With Shariah-compliant Islamic financing and conventional loans, this program is designed to help you achieve homeownership without unnecessary stress. In this guide, you’ll learn everything from eligibility requirements to application procedures and benefits.
What Is the HBL Ghar Scheme and Why It Matters
The HBL Ghar Scheme offers a range of home financing solutions tailored for different needs. The most popular is Islamic Home Finance, which uses the Diminishing Musharakah model. Here, the bank and the customer co-own the property initially. Gradually, as you make payments, you buy the bank’s share, while paying rent on the remaining portion. For overseas Pakistanis, Roshan Apna Ghar provides Shariah-compliant financing through the Roshan Digital Account (RDA). High-income clients can explore Prestige Home Finance with preferential rates. This scheme empowers Pakistanis to invest in homes while keeping financial planning manageable and ethical.
Benefits of the HBL Ghar Scheme
1. Shariah-Compliant Financing
Interest-free home financing through Diminishing Musharakah.
Ethical and transparent process for both local and overseas clients.
2. Flexible Loan Tenure
Tenure ranges from 3 to 25 years.
Helps you plan long-term payments without financial strain.
3. High Financing Limits
Loans up to PKR 50 million.
Coverage of up to 70% of property value, making homeownership accessible.
4. Nationwide Support
Access to HBL branches across Pakistan.
Dedicated support for overseas Pakistanis via RDA.
5. Additional Perks
Possible discounts or waived processing fees.
Tailored solutions for salaried, self-employed, and high-income individuals.
Eligibility Criteria
Must be a Pakistani citizen with a valid CNIC.
Co-applicant option allowed.
Age: Salaried 25–60 years; Self-employed up to 65 years.
Income: Salaried need permanent employment and meet minimum income threshold. Self-employed must provide tax returns, financial statements, and proof of business.
Purpose: Purchase ready home/apartment, buy+build on land, renovate or extend property, or transfer balance from another bank.
Loan Amount, Tenure, and Down Payment
Loan range: PKR 2 million – 50 million.
Coverage: Up to 70% of property value.
Tenure: 3–25 years.
Down payment: Around 30% required upfront.
Ownership gradually transfers under Diminishing Musharakah model as payments continue.
Required Documents
Personal: CNIC, passport-size photos.
Income: Salary slips, bank statements, tax returns, financials (for self-employed).
Property: Title deed, approved plan, registration papers.
Others: Completed application form, co-applicant documents if applicable.
How to Apply
Visit the nearest HBL branch offering Islamic or Home Finance.
Fill out the application form and attach required documents.
Bank verifies your income and property details.
Property valuation is conducted.
Upon approval, funds are released according to the schedule.
Make monthly installments until full ownership transfers.
Online applications are also available via HBL website for Islamic or Roshan Apna Ghar financing.
Things to Consider
Strict verification of income and credit history.
Property must meet HBL’s criteria.
Floating rates may affect installments over time.
Down payment, legal, and valuation fees may apply.
Ensure documentation is complete to avoid delays.
Expert Advice
Many homeowners have shared that HBL’s Islamic Home Finance eased their journey to owning a home. The gradual transfer of ownership under Diminishing Musharakah removes pressure, making monthly payments predictable. Overseas Pakistanis especially benefit from Roshan Apna Ghar, which simplifies financing through digital channels while following Shariah principles.
FAQs About HBL Ghar Scheme
Maximum loan amount? Up to PKR 50 million depending on eligibility.
Can overseas Pakistanis apply? Yes, through Roshan Apna Ghar under RDA.
Down payment required? Usually around 30% of property value.
Loan tenure? Between 3 and 25 years.
Is it interest-free? Yes, Islamic Home Finance follows a Shariah-compliant Diminishing Musharakah model.
Conclusion
The HBL Ghar Scheme 2025 is a reliable and flexible solution for anyone looking to buy, build, or renovate a home in Pakistan. With Shariah-compliant options, high loan limits, and long tenures, it’s ideal for both local residents and overseas Pakistanis. Ensure your eligibility, gather your documents, and take the first step toward homeownership today.
