Owning a house of your very own is a cherished dream. A lot of planning and hard work is involved in making this dream come true. That is why, at UBL we aim to make your decision easier, by offering you the right ingredients that can help you realize your dream with absolute convenience.
UBL Address empowers you to become the proud owner of a home by offering a variety of product and pricing options that are flexible yet affordable. So choose the best product option and pricing to suit your needs.
All product options are amortized and range over a tenor of 3 - 20 years.
Buying a Home
Why rent when you can buy? Buying a home of your choice has never been so easy. With a maximum financing limit of 70% you can easily buy a house or apartment that best fits your requirements. So go ahead and start the search for your dream home because with easy and affordable installments you need not think of renting a house when you’ve got UBL Address.
Building a Home
Have you ever settled for anything less than perfect? There’s nothing like building your perfect home, your way. With every detail in place like the elegant French windows or the perfectly manicured lush green lawn, just the way you’ve always imagined. By chalking out well planned fund tranches at each phase of the building process, UBL Address brings you your dream house one step closer.
Land Plus Construction
What do you do with an empty piece of land? Construct your dream house with all the aesthetic details you’ve ever wished for. UBL Address helps you through every stage of construction by providing you with well planned out fund tranches so that you can better manage your construction.
STANDARD CHARTERED HOME LOAN
Turn your dreams into reality with Standard Chartered Home Purchase. With Standard Chartered Home Purchase you can purchase residential ready property for the purpose of self-occupation.
Standard Chartered Home Loans gives you the unique feature of reducing your principal balance through partial and full pre-payments. For the convenience of our customers our highly skilled relationship managers make it an easy process. We will disburse your loan within 15 days, provided that all the relevant documents are submitted on time.
With Standard Chartered you can own a house to call it a home. Choose your dream home and let us do the rest!
Salient features of Standard Chartered
Salient features for a smooth Home Purchase experience for you:
• Repayment tenor of 1 to 20 years in monthly installments.
• Loan to value up to 60% of the property value
• Financing of up to PKR 30 Million
• Minimum Net Income as low as PKR 30,000 per month
• Markup rates for Mortgage Loan for Salaried is 1 year Kibor + up to 5% Margin
• To avail higher loan amount Standard Chartered Home Loans offers you the option of Clubbing the income of your spouse and blood relatives
• Minimum age of the primary borrower should be >=25 years. Incase of co-borrower the secondary borrower should be either >=21 if income is being clubbed or >= 18 if income is not being clubbed
• Processing fee is PKR 2,500 <= 1MM and PKR 3,500 > 1MM for approved and PKR 6,000 for unapproved / self-employed / businessmen respectively
• Appraisal charges are PKR 4,000 and Legal fee is PKR 3,000.
• Mode of repayment would be Standing Instructions from the customer’s account.
• Prepayment penalty fee up to 10% of the Outstanding Balance
Standard Chartered Home Loans gives you the unique feature of reducing your principal balance through partial and full pre-payments. For the convenience of our customers our highly skilled relationship managers make it an easy process. We will disburse your loan within 15 days, provided that all the relevant documents are submitted on time.
With Standard Chartered you can own a house to call it a home. Choose your dream home and let us do the rest!
Salient features of Standard Chartered
Salient features for a smooth Home Purchase experience for you:
• Repayment tenor of 1 to 20 years in monthly installments.
• Loan to value up to 60% of the property value
• Financing of up to PKR 30 Million
• Minimum Net Income as low as PKR 30,000 per month
• Markup rates for Mortgage Loan for Salaried is 1 year Kibor + up to 5% Margin
• To avail higher loan amount Standard Chartered Home Loans offers you the option of Clubbing the income of your spouse and blood relatives
• Minimum age of the primary borrower should be >=25 years. Incase of co-borrower the secondary borrower should be either >=21 if income is being clubbed or >= 18 if income is not being clubbed
• Processing fee is PKR 2,500 <= 1MM and PKR 3,500 > 1MM for approved and PKR 6,000 for unapproved / self-employed / businessmen respectively
• Appraisal charges are PKR 4,000 and Legal fee is PKR 3,000.
• Mode of repayment would be Standing Instructions from the customer’s account.
• Prepayment penalty fee up to 10% of the Outstanding Balance
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