Top Banks Providing Home Loans in Pakistan

Top Banks Providing Home Loans in Pakistan

Your ultimate dream of purchasing a home is now a reality. There are top banks that offer Home Loans in Pakistan, and the interesting thing is that you can acquire a loan by following some easy steps. Do not worry about the interest rates on home loans and high construction costs. The government directed the State Bank of Pakistan that banks will offer interest-free loans for homes.

It was challenging for the middle-class and lower-income holders in Pakistan’s booming real estate industry to build or buy their own homes. Now, a large number of individuals rely on commercial banks after the strategies of home finance in Pakistan by the state bank.

The amount provided by the banks is enough to buy land and then build a home. The maximum tenure of the loan is 25 years. Moreover, many individuals are not aware of this deadline for home loans in Pakistan. That is why we have come up with a comprehensive guide to home financing. We will also share with you the list of banks offering home loans.

For further detail or any real estate concerns, contact the leading real estate company Makaan Solutions, or visit our website.

Following are the top banks offering home loans in Pakistan:

Habib Bank Limited (HBL)


Habib Bank Limited (HBL), the largest bank in Pakistan established in 1947. You must consider this bank if you are looking for home loans for low income. The bank will offer you customer-friendly financing plans. Moreover, you can buy a home for yourself in your dream location or build a property with the provided amount.

If you select this bank for home financing, then you have a chance to go with the HBL Islamic Home Finance strategy. The individual should be 25 years old, to get the home loan by HBL whereas the self-employed and non-resident individuals’ age should be above 30. Only Pakistani citizens are eligible for this home loan program in Pakistan.

This bank provides home loans from 20 Lac up to 7.5 Crores; the payment tenure is between 3 to 25 years.

Standard Chartered bank


Standard Chartered Bank (SCB) is a famous bank of financial products and customer services among local and overseas. You can apply to the Roshan Apna Ghar Scheme if you are a holder of the Roshan Digital Account

This bank offers the most reliable method of home loans in Pakistan because if you do not have RDA, then you can apply for Saadiq Home Finance.

You can acquire a loan for a home in Pakistan from this bank if you are buying a land or home in Karachi, Lahore, Islamabad, or Rawalpindi. The payment tenure for Saadiq’s home finance is up to 25 years.

Following the Non-citizen Pakistanis that are eligible for Saadiq Home Finance Scheme:

  • Malaysia
  • Singapore
  • UAE
  • Bahrain

JS Bank


JS Bank is the best option for affordable home loans in Pakistan because the bank has a perfect home financing plan. You can buy your dream home by applying to the Ghar Apna Scheme at JS Bank. The amount of the loan is between 5 lacs to 7.5 Crore. If you have a plot, then the bank will provide you with a loan for construction.

However, the bank will provide you with a loan for 1 to 20 years. Moreover, all Pakistani citizens and overseas Pakistani are eligible for the loan.

Habib Metropolitan Bank


If you are facing problems in acquiring home loans in Pakistan from other banks, then do not worry. Habib Metropolitan Bank offers the easiest way to acquire home loans. You can borrow the amount for land, for the construction home, and for a ready house in your dream location.

You will love the bank policy for home renovation loans when you need funds for renovating your old home, and you will be provided with the required funds. The minimum age for the loan is 27, and the maximum is 60 years.

Muslim Commercial Bank (MCB)


Muslim Commercial Bank is the option for a home mortgage in Pakistan if you do not like the long documentation process and waiting for the eligibility of the loan. The document procedure for home loans in Pakistan. You can acquire a loan from this bank under the MCB Home Loans policy for 2 to 25 years.

Salaried persons, self-employed persons, pensioners, and landlords can acquire this loan which has a maximum amount of the home loan is 5 Crore.

Allied Bank Limited (ABL)


Allied Bank Limited, the leading bank in Pakistan, offers several plans for home loans in Pakistan. If you think that one policy and plan is not suitable for you, then you can go with different options.

The financing process of this bank is quick, and the bank allows individuals from 25 to 27 years to acquire loans up to 4 crores. The payment tenure is 25 years, and people from Islamabad, Lahore, Karachi, Rawalpindi, Faisalabad, Multan, Gujranwala, and Sialkot can get the loan.

List of Banks Offering Home Loans in Pakistan


Following is the list of Banks that offer the best home loan plans in Pakistan:

  • Alfalah Home Finance (3 years to 25 years)
  • Habib Bank Limited (5 years to 20 years)
  • Muslim Commercial Bank (25 years)
  • Askari Bank Limited (3 years to 25 years)
  • United Bank Limited (3 years to 20 years)
  • Bank Al Habib (1 year to 25 years)
  • JS Bank (1 year to 20 years)
  • Meezan Bank (3 years to 25 years)
  • Standard Chartered Bank (1 year 5 years)
  • Summit Bank (1 year to 20 years)
  • Bank Islami (2 years to 25 years)
  • Bank of Punjab (3 years to 25 years)
  • Al Baraka Bank (2 years to 25 years)
  • MCB Islamic Bank Ltd (1 year to 20 years)
  • National Bank of Pakistan (3 years to 20 years)
  • Faysal Bank (1 year to 20 years)
  • Dubai Islamic Bank (1 year to 20 years)
  • Allied Bank Limited (3 years to 25 years)
  • Khushhali Microfinance Bank (1 year to 20 years)

Final Thoughts


We hope the information we have shared will help you if you are searching for Home Loans in Pakistan. Almost every bank in Pakistan offers home finance, but the strategies and policies are different. We suggest that before acquiring a home loan, you analyze your plan and audit your business, then go with the plan that you think better suits you and satisfy your desires. You can build your home in Capital Smart City or New Metro City Gujar Khan.

Top Banks Providing Home Loans in Pakistan

If you want to know about the Top Banks Providing Home Loans in Pakistan, Contact Makaan Solutions. Our Sales Executive Officer will provide you with all the latest information. Starting from consultation to choosing the property, and from booking to owning your dream property. For further details, please do not hesitate to contact us with the below-given information:

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