Low Cost Housing Finance for Special Segment

Turn your dreams into a reality! FWBL empowers you to be a privileged house owner with FWBL Low-Cost Housing Finance.

Product Offered to:
  • Widows
  • Children of martyrs (Shaheed) of law enforcement agencies, armed forces and Civilians martyred in terrorist attacks
  • Special persons holding CNIC with disability logo/ symbol (Having physical disabilities)
  • Transgender
Eligibility Criteria
  • Applicant/Co-applicant must be a Salaried person (Govt /Semi-Govt/ Autonomous Bodies/ Multi-national Companies, pensioner widows) or Self-employed businessperson/ Professional
  • Applicant must be a Pakistani national
  • Applicant must not own any residential housing unit/flat/apartment
  • Applicant should not have availed any housing finance facility previously from any bank/DFI
  • The applicant must be a permanent employee with minimum 3 years of continuous employment
  • The monthly income of the borrower/ Co-borrower should not be less than Rs. 25,000
Age Requirement

Salaried Individuals

  • Minimum age: 23 years
  • Maximum age: 60 years or retirement age (whichever comes first at the time of  maturity of  Loan). For Pensioners widows 65 years at 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. 2,700,000/-

Loan Tenure

Minimum          2 years
Maximum        12 years with maximum 6 months grace period

Property Value

Financing to be allowed only for the property valued up to Rs. 3 Million


Equal Monthly Installment (EMI) will be due on the 1st of each month with 10 days grace period


Fixed 5% for tenure


Debt to Equity ratio would be 90:10 (Maximum)

Financing Option

FWBL Low-Cost Housing Finance will offer the following financing options to its customers:

  1. Home Construction (Residential Land + Construction)

  Salaried individuals to provide

  • A valid CNIC
  • Clean Credit History
  • Two recent passport size photograph
  • Salary Slips of attested salary certificate for last 3 months
  • Bank statement of the last 6 months
  • Copy of property documents

Self-employed business persons/professionals to provide:

  • A valid CNIC
  • Clean Credit History
  • Two recent passport size photographs
  • Proof of occupation/business
  • Bank statement of the 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 0331-3925111 / 021-111-11-3925






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