JS / Business / JS Employee Banking / JS GharApna Loan (Government Markup Subsidy Scheme)

JS GharApna Loan (Government Markup Subsidy Scheme)

JS Bank also provides finance under SBP’s markup subsidy scheme for First time homeowners for purchase of a newly built complete residential property (Apartment /Flat/ House) & Construction on already owned plot or for purchase of plot & construction thereon.

Product Features

Markup Tier 1 Tier 2 Tier 3
First 5 Years 3% 5% 7%
Next 5 Years 5% 7% 9%
For Period > 10 Years 1-year KIBOR+2.5% 1-year KIBOR+4% 1-year KIBOR+4%
Monthly Income (Net Disposable Income)
Individuals & Household Rs. 25,000 minimum p.m.
Age: Salaried Person Min 25 to 60 years at maturity

Minimum employment experience of 5 years required (Overall Service length and not specific to 1 employer)

Eligibility Criteria:

  • Computerized National Identity Card (CNIC) holder
  • First time homeowner, one unit per household
  • One individual can have subsidized house finance facility under the scheme only once
  • Only for construction and first purchase of newly constructed affordable housing units