JS / Personal / Consumer Finance / JS GharApna

JS GharApna

Home Loans

Dreams do come true with JS Ghar Apna. Buy, build or renovate the perfect family home for you and your loved ones with JS Bank by your side.

Calculate GharApna Loan

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Eligibility

Computerized National Identity Card /NICOP
Must be a resident of Pakistan/Non Resident Pakistani
Income documents (salary slip/account statement)

Insure your family against burden of repayment in the event of disability of death with the Home Loan Protector by EFU Life Assurance Limited

Markup is as low as 1-Year KIBOR + 4.25% (Floating Rate)*

Maximum financing of up to 80% of the market value of the property

Transfer your existing home loan to JS GharApna Home Loans and reduce your monthly installments by taking advantage of our most competitive markup of 1–Year KIBOR + 3%.

Buy Your Ghar

Step 1: Find your dream Ghar

Step 2: Apply for JS GharApna Home Purchase Loan, from as low as Rs. 500,000 to as high as Rs. 100 million

Step 3: Choose from financing tenure of between 1 and 20 years

Step 4: Let us take care of the rest

Build Your Ghar

Step 1: Find the right plot for your dream Ghar

Step 2: Apply for JS GharApna Home Construction Loan, from as low as Rs. 500,000 to as high as Rs. 100 million (for pre-owned plot, maximum loan limit of Rs. 50 million)

Step 3: Choose from financing tenure of between 1 and 20 years

Step 4: Let us take care of the rest

Renovate your Ghar

Step 1: Plan out the makeover your Gharneeds (including installation of solar panels)

Step 2: Apply for JS GharApna home Renovation Loan, from as low as Rs. 500,000 to as high as Rs. 20 million

Step 3: Choose from financing tenure of between 1 and 10 years

Step 4: Let us take care of the rest