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JS / Personal / Consumer Finance / JS GharApna Home Finance

JS GharApna Home Finance

JS Bank also gives you the opportunity to be a privileged homeowner with JS GharApna Home Finance! You can avail financing to buy, build or renovate your dream Ghar, with the most competitive rates & the easiest terms possible.

Product Features

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Credit Cover/Life Insurance JS GharApna is equipped with optional life insurance

Financing Min. PKR 0.5 Mn., Max. PKR 75 Mn

Financing Tenure Between one (1) to max. twenty-five (25) Years

Processing Fees may vary as per updated Bank’s SOC

Property Insurance House 0.08% of construction value & flats equivalent to the appraised value

Loan to Value (LTV) Up to 80% of property appraised value

Markup 1 Year KIBOR + 3.0%

Balance Transfer Facility up to 1% rate discount and financing up to 75% LTV

Home Purchase financing up to PKR 75 Million

Home Construction financing up to PKR 50 Million

Home Renovation financing up to PKR 20 Million

Plot + Construction financing up to PKR 50 Million

Eligibility Criteria:

  • Computerized National Identity Card/NICOP Must be a resident of Pakistan/Non Resident Pakistani
  • Job/Business Length – 2 Years
  • Property Age Criteria – Max 30 years property at the time of availing loan facility and max 50 years at the time of loan maturity
Minimum Income Requirement
Permanent Employee Rs.75,000/- Net per Month
Contractual Employee Rs.100,000/- Net per Month
Self Employed Rs.100,000/- Net per Month
Age Requirement
Salaried Person Min 27 to 60 years at maturity
Business Person Min 27 to 65 years at maturity