Housing Finance Features

Buying your own Home The product is offered to individuals who intends to buy an already built residential property (house or apartment). Financing Criteria Financing is available from PKR 300,000 up-to PKR 100 million or up to 75-85% of the appraised value of a built up house/apartment/land whichever is lower. Financing period from 1 to 25 years. Disbursement as Bullet Payment (one time). Financing will be based upon verified net income of the applicant to ascertain repayment capacity. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000.Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000.Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. No Charges for Early Settlement and Balloon Payment(s). Repayment in equal monthly installments based on the tenure of financing. Want to Construct your Dream Home? This product is extended to customers who already owns a residential land and need funds to meet the construction cost. It also caters to customers who have already begun construction and have completed it up to a certain level. Financing Criteria Financing is available from PKR 300,000 up to PKR 50 Million or 100 % of Bill of Quantity (BOQ) or 70% of the construction cost and appraised land value whichever is lower. Financing period from 1 to 25 years. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000. Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000. Spouse, Father, Mother and Son can be made as co-borrower for income clubbing or property ownership. No Charges for Early Settlement and Balloon Payment(s). Disbursement of Payment in three stages as follows: a) Plinth Stage 30% b) Structure completion 30% c) Finishing Stage 40% Repayment in equal monthly installments based on the tenure of financing (2 years grace period for construction is also included, where only markup is to be serviced). No Charges for Early Settlement and Baloon Payment. Is your home due for Renovation? This product is offered to customers for the purpose of renovation of a constructed house/apartment. Financing Criteria Financing from PKR 300,000 up to PKR 20 million or up to 50% of the appraised property value whichever is lower (Residential House). Financing from PKR 300,000 up to PKR 5 million or up to 25% of the appraised property value whichever is lower. (Residential Apartment). Financing period from 1-25 years. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000. Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000. Spouse, Father, Mother and Son can be made as co-borrower for income clubbing or property ownership Disbursement made as Bullet Payment (one time). Bill of Quantity also required. Repayment in equal monthly installments based on the tenure of financing. No Charges for Early Settlement and Balloon Payment(s). Do you wish to transfer your home loan with us? Bank AL Habib provides you an opportunity to transfer your already availed house loan from other banks/institutions with Bank AL Habib. Financing Criteria Only the outstanding amount shall be paid to the releasing bank/institution or maximum amount PKR 50 Million whichever is lower. No enhancement in financing amount will be offered to the applicant. Property ownership must be in the name of primary borrower or co-borrower. Customer to provide a letter, authorizing our bank official to collect and retrieve all title documents from the releasing bank/institution. No Charges for Early Settlement and Balloon Payment(s). Do you want to purchase a plot and construct over it? The product is offered to individuals who intends to buy a residential plot and need funds to meet the construction cost. Financing Criteria This product will be offered to purchase the plot and construction thereon, First trench will be disbursed for plot purchase with maximum 50% of approved financing amount or 50% of land value whichever is lower. After purchase of plot, process of construction to be followed by disbursing three more trenches of remaining amount.

Corporate Banking

Credit Card Terms & Conditions

AL Habib Digital Account

About Us

Bank AL Habib Dawood Habib Group, the sponsor of Bank AL Habib Limited has a history in the banking sector dating back to the 1920’s. The group played a major role in meeting the financial needs of Pakistan making it the first institution to provide banking services to the new Country. Dawood Habib Group Dawood Habib Group, the sponsor of Bank AL Habib Limited has a long track record in banking that dates back to the 1920s. The Group was among the founder members of Habib Bank Limited and played a major role in meeting the financial and banking needs of Pakistan. It was nationalized along with other Banks in Pakistan on Januar

Bank AL Habib’s Conversion to Islamic Banking

At Bank AL Habib, we are committed to providing financial solutions that align with Islamic principles, ensuring Shariah compliance in all aspects of banking. In line with the directives of SBP, we aim to offer the highest standards of trust, transparency, and excellence through Islamic Banking services. We Offer Shariah-compliant products and services Comprehensive solutions for personal and business needs Experienced and dedicated Islamic Banking experts Need Assistance with the Transition? Our dedicated Islamic Banking support team is available to address your questions and concerns regarding this transition. Guides & Resources Islamic Banking Product Portfolio Click here to learn about which Bank Account will be offered to you post Account Conversion Feedback Click here for to request support, provide your thoughts or to make complaints Tutorials View this informative series about the benefits of Islamic Banking Documents for Customers Intimation Letter Consent Form Dissent Form Terms & Conditions Locker Application Form Product Information Product Mapping Schedule of Charges Deposit Rates Downloads Current Account KFS AL Habib Islamic Foreign Currency Current Account AL Habib Islamic Armed Forces Pensioner Current Account AL Habib Islamic Asaan Current Account AL Habib Islamic Asaan Digital Current Account AL Habib Islamic Asaan Remittance Current Account AL Habib Islamic Basic Banking Account AL Habib Islamic Current Account AL Habib Islamic Digital Current Account (FCY) AL Habib Islamic Digital Current Account (PKR) AL Habib Islamic Freelancer Current Account AL Habib Islamic Freelancer Digital Current Account AL Habib Islamic Pensioners Current Account AL Habib Islamic RDA Current Account (FCY) AL Habib Islamic RDA Current Account (PKR) AL Habib Islamic Remit Current Account AL Habib Islamic Remit Digital Current Account AL Habib Woman Islamic Digital Current Account AL Habib Woman Islamic Asaan Current Account AL Habib Woman Islamic Asaan Digital Current Account AL Habib Woman Islamic Current Account Saving Account KFS AL Habib Islamic Pay Plus Account AL Habib Islamic Pay Account AL Habib Islamic Tijarat Account AL Habib Islamic Signature Account AL Habib Islamic Freelancer Saving Account AL Habib Islamic Freelancer Digital Saving Account AL Habib Islamic Armed Forces Pensioner Savings Account AL Habib Woman Islamic Asaan Digital Savings Account AL Habib Woman Islamic Savings Account AL Habib Woman Islamic Digital Savings Account AL Habib Woman Islamic Asaan Savings Account AL Habib Islamic Young Savers Account AL Habib Islamic Senior Citizen Account AL Habib Islamic Savings Account AL Habib Islamic Remit Savings Account AL Habib Islamic Remit Digital Savings Account AL Habib Islamic RDA Savings Account (PKR) AL Habib Islamic RDA Savings Account (FCY) AL Habib Islamic Mahana Amdani Savings Account AL Habib Islamic Income Plus Account AL Habib Islamic Digital Savings Account (PKR) AL Habib Islamic Digital Savings Account (FCY) AL Habib Islamic Asaan Savings Account AL Habib Islamic Asaan Remittance Savings Account AL Habib Islamic Asaan Digital Savings Account AL Habib Islamic Apna Individual Account AL Habib Islamic Foreign Currency Saving Account Islamic Term Deposit KFS AL Habib Islamic Mahana Munafa Term Deposits (Monthly) AL Habib Islamic Senior Citizen 1-Year TDR AL Habib Islamic Term Deposits - PKR (maturity) .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; } .accordion-list .accordion-list-items:last-child { border-top: 1px solid #eee !important; } .links-wrapper a{ text-decoration: underline; } .links-wrapper a:hover{ color:#00a25a; }

AL Habib Roshan Digital Account

Introduction AL Habib Roshan Digital Accounts provide a seamless and secure banking experience for individuals and businesses residing abroad. Designed to connect you with Pakistan’s banking ecosystem, these accounts enable you to manage your finances, invest, and recieve remittances conveniently from anywhere in the world. Whether you are a Non-Resident Pakistani or a foreign national, we offer account options from personal banking solutions to business accounts, Roshan Digital Accounts empower you with flexibility, accessibility, security and complete digital control. AL Habib Roshan Digital Account for Non Resident Pakistani AL Habib Roshan Digital Account for Foreign Nationals AL Habib Roshan Digital Business Account a.btn.btn-primary.btn-lg{ box-shadow:3px 3px 5px 0px #bbb; }

Trainee Officer Program

Management Trainee Officer Program Graduate Trainee Officer Program Trade Batch OfficerProgram IT Trainee OfficerProgram Management Trainee Officer Program Bank AL Habib Management Trainee Officer Program is a talent nourishment program guided by our value system, and it is aligned with our corporate goals for developing future leaders of Bank AL Habib and Pakistan. Fast-track your career with Bank AL Habib Management Trai

AL Habib Visa Platinum