FWBL Housing Finance

FWBL understands your desire to make your house truly your home. Hence we are offering Housing Finance facility for purchasing a new one, constructing or renovating your existing home, with ease and flexibility.

Eligibility Criteria

  • Applicant must be Pakistani national.
  • Permanent Government employee with minimum 5 years continuous employment
  • Minimum Monthly income should be Rs. 35,000/-
  • Minimum age requirement is 25 years or more at the time of loan application & 60 years or retirement age, whichever comes first at the time of loan maturity.

Loan Amount

Minimum            Rs.500, 000/-
Maximum           Rs. 20,000,000/-

Loan Tenure

Minimum          3 years
Maximum        20 years


Equal Monthly installment (EMI) will be due 1st of each month with 10 days grace period.

Mark- Up

For Female & Transgender:          1 Year KIBOR + 3.25%

For Male:                                        1 Year KIBOR + 4.00%

In case the salary is assigned with FWBL, the further discount of 25 basis points would be provided to Male borrowers only.

Financing Option

FWBL Housing Finance will offer the following Financing options to its customers.

  1. Home Purchase
  2. Home Construction (Residential Land + Construction)
  3. Home Renovation/Extension
  4. Home Transfer (Balance Transfer Facility)
Financing Amount
Home Purchase, Home Construction & Home Transfer (Maximum LTV)
Home Renovation(Maximum LTV)

Up to 10 Million



Above 10 Million to 20 million





  • Permanent employees of government organizations,
  • Applicant must have a valid CNIC
  • Clean credit History
  • Two recent Passport size photograph
  • Salary Slips of attested salary certificate for last three months
  • Bank statement for 6 months
  • Copy of property documents

Authorised Branches

All FWBL Branches

* Terms and Conditions apply

For more information, please contact your nearest Branch or Call 0331-1006767


Site last updated September 17, 2020 @ 6:19 am