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.

AL Habib Kamyab Khatoon Zarai Finance

AL Habib Digital Account

Raast

Raast is Pakistan’s first instant payment system that enables end-to-end digital payments among individuals, businesses and government entities within seconds. Not only that it helps bring down the high cost of the transactions making small-value retail payments cheap. Click here to view list of Raast Enabled Branches Register RAAST ID Link / Unlink RAAST ID Delete RAAST ID Generate QR Code Raast Tutorial Simplified P2M Payments via RAAST Bank AL Habib has recently added the Raast Person-to-Merchant (P2M) feature to AL Habib Mobile which allows customers to scan Raast QR codes to make payments. Customers may also use the "Merchant Alias Payment" option which allows them to make payments through AL Habib Mobile and Netbanking using unique identifiers such as Virtual Payment Address (VPA), Till Code, or Merchant ID assigned to merchants. P2M will enable customers to pay directly to merchants for shopping, dining, and monthly utility expenses. With just a quick scan of the QR code provided by the merchant, transactions can swiftly and securely be completed, eliminating the need for cash or physical cards. Key Features Funds Transfer on Merchant Alias Customers can make payments by scanning Raast P2M accepted QRs Only account-based transactions can be performed

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

Scooter Finance

AL Habib Roshan Digital Business Account

Introduction AL Habib Roshan Digital Business Account is designed to empower Non-Resident Pakistanis and Foreign Nationals seeking to invest in Pakistan with ease. This fully digital account provides a seamless gateway to Pakistan’s financial ecosystem, enabling businesses to conduct transactions, manage funds, and access growth opportunities remotely. With a streamlined onboarding process, secure banking channels, the account offers convenience, flexibility, and efficiency for global entrepreneurs. Manage and invest your business finances in Pakistan anytime, anywhere without the need for physical presence. View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current account with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT Account is fully repatriable Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Business Account fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS How to Open Roshan Digital Business Account The following steps are required to open the Roshan Digital Business Account in Pakistan: Provide Business Information. Enter the OTP received on your email address & provide the account opening information. Provide details of all natural persons associated with the business. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 5 working days. Documents Required for Roshan Digital Business Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Documents for Directors/Person Authorized to Operate the Account: Identity documents (Foreign ID card/CNIC, SNIC, NICOP, POC) must be valid or Scanned original Passport 1st & 2nd page. Specimen Signature (on white plain paper) Documents for Company: Registration Certificate Verification link or details of registration certificate (if any) By-Laws / Memorandum of Association / Article of Assosciation / Partnership Deed / Trust Deed / Relevant Incorporation etc Company Profile along with concern Directors & Stakeholders Tax Certificate / Declaration / Exemption Existing Bank Account Verification Certificate Board Resolution / Authority Letter Signatories Sign with T&C Consent ID documents of all Natural persons. Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. You will also need access to a webcam so that your live photo can be captured. All fields are mandatory. You will have to acknowledge the declaration to proceed to the next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome, or Firefox to avoid any difficulties during the process. Before you start, we advise you to also clear your browser cache/cookies to ensure the application runs smoothly. AL Habib Roshan Digital Business Account User Guide Please Download The User Guide For Roshan Digital Business Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. 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