Housing Finance for Middle Income Group

Financing Available for

FWBL Housing Finance for Middle Income Group will offer following options to its customers.

  • Home Purchase
  • Home Construction (Residential Land + Construction)
  • Home Renovation/Extension
Product Offered to:
  • Salaried Person – Permanent employees of government, semi organization, local government bodies, army, autonomous & semi-autonomous bodies, multinational companies, public limited companies and private limited companies
  • Self Employed Businessperson/ Professionals
Eligibility Criteria
  • Applicant must be Pakistani national.
  • Permanent employee with minimum 3 years continuous employment
  • Monthly net Income (net of taxes and pension contributions) for individuals should not exceed PKR 200,000 per month and household should not exceed PKR 250,000 per month.
Age Requirement

     Salaried Individuals

  • Minimum age requirement is 23 years or more at the time of loan application & 60 years or retirement age, whichever comes first at the time of loan maturity.

     Self Employed Business person/ Professionals

  • Minimum age requirement is 21 years or more at the time of loan application & 65 years at loan maturity
Loan Amount

Minimum            Rs.500,000/-

Maximum           Rs. 8,800,000/-

Loan Tenure

Minimum          3 years
Maximum        20 years

Property Value

Financing to be allowed only for the property valued up to 11 Million

Mark- Up

1 Y KIBOR + 2.5 (Floor rate 8.5%) (0.5% discount would be allowed for Women)

Equity Requirement

Minimum 15% of Property Value.


     Salaried individuals to provide

  • 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

     Self-employed business persons/professionals to provide:

  • Applicant must have a valid CNIC
  • Clean credit History
  • Two recent passport size photographs
  • Proof of occupation/business
  • Bank statement for last 12 months
  • NTN/Tax returns

Copy of property document

Authorized Branches

All FWBL Branches

* Terms and Conditions apply

For more information, please contact your nearest Branch or Call 0331-3925-111/ UAN: 021-111-11-3925.


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