Khushhali Bank Loan – Khushhali Bank Home Loan – Khushhali Apna Makaan – PM Loan Scheme – Naya Pakistan Housing Scheme Loan

Khushhali Bank Loan - Khushhali Bank Home Loan - Khushhali Apna Makaan - PM Loan Scheme - Naya Pakistan Housing Scheme Loan


 Khushhali Bank Loan – Khushhali Bank Home Loan – Khushhali Apna Makaan – PM Loan Scheme – Naya Pakistan Housing Scheme Loan

Product Name

Khushhali Apna Makaan

Product Type

Individual Low-Cost Housing Loan under Govt. of Pakistan’s Markup Subsidy Scheme 


Job Alerts: Join WhatsApp Group


Product Purpose

a-       Financing for purchase of Constructed House

b-       Financing for purchase of Flat

c-       Financing for purchase of Land and subsequent construction

d-       For construction of house on customer owned land

e-       Extension/Expansion in customer owned house


Loan Eligibility Criteria

1.       All Pakistani men/women holding a valid CNIC

2.       Must be 25 – 65 years old at the time of applying for loan.

3.       First time home owner (does not own any constructed house) with submission of undertaking as per Khushhali Apna Makaan process and procedures document annexures.

4.       One individual can have subsidized house loan facility under this scheme only once

5.       Exclusions as applicable per Bank’s Credit policy


Tenure

Minimum: 5 years

Maximum: 20 years

       

Repayment Options

Equal Monthly Installments

Collateral

In line with SBP instructions regarding GMSS, housing unit financed will be mortgaged in favour of KMBL.


Loan Ticket  (minimum & maximum)

PKR 250,000 to PKR 2,000,000


Type of Loan


KHUSHHALI APNA MAKAAN

Loan Eligibility Criteria

All Pakistani men/women holding a valid CNIC

Must be 25 – 65 years old at the time of applying for loan.

First time home owner (does not own any constructed house) with submission of undertaking

as per Khushhali Apna Makaan process and procedures document annexures.

One individual can have subsidized house loan facility under this scheme only once

Exclusions as applicable per Bank’s Credit policy


KHUSHHALI HOME PLUS

Loan Eligibility Criteria

Age: 25 -60 years (65 years for Pensioners)

Annual income of Applicant should be equal to or less than PKR 1,500,000 per year

Residing in the house/ ownership of the house (if the property has been given on rent) for at least 1 year

Salaried individuals must be working with the current employer for at least 2 years

2 years business experience

NADRA CNIC/ SNIC holder


KHUSHHALI EASYCASH

Loan Eligibility Criteria

Valid CNIC/SNIC holder

Age: 20 years and above

Individuals: Self-employed, SME owners, Salaried (with alternate business)

KMBL customers having TDC/ Current/ Saving accounts

National/ Defense Savings certificate holders


KHUSHHALI AGRI PLUS

Loan Eligibility Criteria

Age: 22 – 60 Years

Minimum landholding of 3 acres (For tractor financing)

Doing business at the same location for the past 1 year

Resid

ent of the same location for the past 2 years

NADRA CNIC/ SNIC holder

Not defaulter of KMBL or other banks


KHUSHHALI CASH SAHULAT PLUS

Loan Eligibility Criteria

Age: 20 – 65  Years

Business experience of minimum of 2 Years

Resident of the same location for the past 2 years

NADRA CNIC/ SNIC holder

Not defaulter of KMBL or other banks

KHUSHHALI SARMAYA (MICRO ENTERPRISE LENDING)

Loan Eligibility Criteria

Age: 22 – 60 years

Applicant must be micro-entrepreneurs who are either self-employed or employ few individuals maximum 10 (excluding seasonal labors)

Minimum business experience of 2 years

NADRA CNIC/ SNIC holder

Must have good credit history


KHUSHHALI PASBAAN LOAN

Loan Eligibility Criteria

Age  20 to 67 Years  

Retired Employees/spouses of deceased employees receiving pensions from government, semi-government and military institutions

Pension Book (as applicable)

Personal Guarantee (as applicable)

Last three months bank statement of the pension account in case pension is directly credited to a bank (as applicable)

Authority letter from pension payment institute to open and maintain pension account at KMBL (as applicable)

Annual income of the applicant should not exceed Rs. 1,200,000/- or as set by SBP from time to time.

Customer’s Repayment capacity  and frequency assessment

Applicant  residing in the area from the last 1 Year

Valid CNIC/SNIC of the applicant

Not defaulter of KMBL & other institutions


KHUSHHALI LIVESTOCK LOAN

Loan Eligibility Criteria

Age: 20– 63 years

Age of animal to be purchase must be between 9 months and 7 years

Applicant willingness to tag the animal for insurance cover

Minimum 2 year experience of livestock keeping/ handling

Having at least 1 animal

NADRA CNIC/ SNIC/ NICOP holder


KHUSHHALI QARZA PLUS

Loan Eligibility Criteria

Age: 20– 63 years

Minimum KMBL relationship of 3 cycles (not less than 24 months)

Previous loan of KMBL to be either fully settled or only accrued mark-up to be paid till date

Permanent resident of the locality for 2 years

NADRA CNIC/ SNIC/ NICOP holder

2 years experience


KHUSHHALI CASH SAHULAT

Loan Eligibility Criteria

Age: 20 – 63  Years

Household annual income up to 1,200,000

Business experience of minimum of 2 Years

NADRA CNIC/ SNIC  holder

Not defaulter of KMBL or other banks


SARSABZ KAROBAR

Loan Eligibility Criteria

Age: 20 – 63 Years

Proposed Value Chain Partner’s reference

Household annual income less than or equal to Rs. 1,200,000/-

Business experience of 2 years

NADRA CNIC/ SNIC  holder

Not defaulter of KMBL or other banks


KHUSHHALI ASAAN QARZA

Loan Eligibility Criteria

Age: 20– 63 years

Income: Less than or equal to Rs. 1,200,000

Permanent resident of the locality for 2 years

NADRA CNIC/ SNIC holder

2 years experience


KHUSHHALI QARZA

Loan Eligibility Criteria

Age: 20 – 63 years

Income: Less than or equal to Rs. 1,200,000

Permanent resident of the locality for 2 years

NADRA CNIC/ SNIC holder

2 years experience

Service charges

5% for first 5 years

7% for next 5 years

KIBOR+7% for next 10 years

Mian Site 

Online Apply Click Here

Khushhali Bank Loan – Khushhali Bank Home Loan – Khushhali Apna Makaan – PM Loan Scheme – Naya Pakistan Housing Scheme Loan

0 Comments on “Khushhali Bank Loan – Khushhali Bank Home Loan – Khushhali Apna Makaan – PM Loan Scheme – Naya Pakistan Housing Scheme Loan”

Leave a Reply

Your email address will not be published. Required fields are marked *