HBL Ghar Loan Scheme 2026
The HBL Ghar Loan Scheme 2026 is one of the most trusted and commonly used home financing plans in Pakistan. Launched by Habib Bank Limited (HBL), this scheme helps people buy a house, build a new home, renovate an existing property, or transfer a home loan from another bank. Whether you are a salaried employee, a business owner, or an overseas Pakistani, HBL offers both Islamic (Shariah-compliant) and conventional home financing options. In 2026, this scheme continues to be popular among homebuyers because of its long repayment period, clear and simple process, and availability through HBL branches all over Pakistan.
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Quick Information Table
| Details | Information |
|---|---|
| Program Name | HBL Ghar Loan Scheme 2026 |
| Start Date | Ongoing (Active in 2026) |
| End Date | No fixed end date |
| Amount of Assistance | PKR 2 million to PKR 50 million |
| Application Method | Online & Branch (Offline) |
What Is the HBL Ghar Loan Scheme?
The HBL Ghar Loan Scheme is a well-planned home financing facility that helps eligible people buy residential property with financial support from the bank. This scheme can be used for purchasing houses or flats, buying land and constructing a home, renovating an existing property, or transferring a home loan from another bank. To meet the needs of different customers, HBL provides two main types of home financing options.
Islamic Home Finance (Diminishing Musharakah)
Under this Shariah-compliant model, HBL and the customer jointly purchase the property. The customer gradually buys HBL’s share through monthly payments. Each installment includes:
- Rent for the bank’s remaining share
- Equity payment to increase customer ownership
There is no interest, making it suitable for customers who prefer Islamic banking.
HBL Roshan Apna Ghar (For Overseas Pakistanis)
HBL also provides the Roshan Apna Ghar facility for overseas Pakistanis through the Roshan Digital Account (RDA). This option enables Pakistanis living outside the country to buy or finance residential property in Pakistan through a completely online and secure system.
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Eligibility Criteria for HBL Ghar Loan 2026
To apply for HBL home financing, applicants must meet these requirements:
- Citizenship: Pakistani (local or overseas)
- Age Limit:
- Salaried: 25 to 60 years
- Self-employed: Up to 65 years at loan maturity
- Income Requirement:
- Salaried individuals with stable employment
- Business owners with proper income proof and tax records
- Documents Required:
- CNIC
- Income verification
- Property documents
- Co-Applicant: Allowed in eligible cases
Eligibility is checked based on income stability, credit history, and property valuation.
Purposes Covered Under HBL Ghar Scheme
You can use this financing facility for:
- Buying a ready house or apartment
- Purchasing land and constructing a house
- Renovation or extension of an existing home
- Transferring a home loan from another bank
Financing Limits, Tenure, and Rates (2026)
- Loan Amount: PKR 2 million to PKR 50 million
- Financing Ratio: Up to 70% of property value
- Repayment Tenure: 3 to 25 years
- Rate Type: Fixed or floating (as per market conditions)
Final pricing depends on income, down payment, credit profile, and selected financing option.
Down Payment and Ownership Structure
Applicants usually need to pay around 30% of the property value as a down payment.
In Islamic financing:
- Customer ownership increases with each payment
- Bank ownership reduces gradually
- Full ownership transfers after complete payment
Required Documents for Application
Prepare the following documents:
- CNIC copies of applicant and co-applicant
- Recent photographs
- Salary slips or business financial statements
- Bank statements and tax documents
- Property title and registration papers
- Completed HBL home finance application form
Correct documentation helps speed up approval.
More Read: How to Apply for CM Punjab Meri Gari Scheme 2026
How to Apply for HBL Ghar Loan Scheme 2026
Application Steps:
- Visit your nearest HBL branch offering home finance
- Fill out the home finance application form
- Submit required documents
- Income, credit, and property verification by HBL
- Approval and disbursement
- Start monthly payments
You can also initiate applications through HBL’s official online channels.
Key Benefits of HBL Ghar Loan Scheme
- Islamic and conventional financing options
- Repayment tenure up to 25 years
- Finance up to 70% of property value
- Available across Pakistan
- Special solution for overseas Pakistanis
- Transparent and secure ownership structure
Important Considerations
- Income and property checks are strict
- Floating rates can change
- Down payment is mandatory
- Legal, valuation, and processing charges may apply
Frequently Asked Questions (FAQs)
Is HBL Ghar Loan program 2026 Shariah-compliant?
Yes, the Islamic Home Finance option follows Diminishing Musharakah.
How much loan can I get?
From PKR 2 million to PKR 50 million, depending on eligibility.
Can overseas Pakistanis apply?
Yes, through Roshan Apna Ghar using Roshan Digital Account.
What is the maximum repayment period?
Up to 25 years, subject to eligibility.
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