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
DEUTSCHE BANK HOME LOAN
At Deutsche Bank, you’ll find the partner you need to make your future dream home come true. All our efforts work towards putting your dream home within your reach. Whether it’s purchasing a new house, moving from a rented property to your own or renovating your existing home, Deutsche Bank has a wide range of home loan options* that are specific to your needs.
The loan amounts up to Rs. 5 crore and the tenure is from 5 years to 20 years. You can choose between a fixed and a floating interest rate for your loan. Also, with attractive interest rates and savings on taxes, a db HomeLoan gives you complete peace of mind.
db HomeLoan offers the following advantages:
At Deutsche Bank, you’ll find a wide range of home loans to suit your varied needs.
Customized loans
db Flexi HomeLoan
This option enables you to hedge against the uncertainty of interest rate fluctuations by giving you a combination of both fixed and floating interest rates. A part of your loan will be at a fixed interest rate, while the other will attract fluctuating interest. This way, no matter how the interest rates move, your exposure is limited.
db StepUp HomeLoan
This option is the ideal home loan for you during the initial years of your career. It makes you eligible for a higher loan amount and at the same time, takes into account your repayment capacity. The EMIs are lower in the initial years and higher in later years, keeping pace with an increase in your income levels.
db StepDown HomeLoan
This option allows you to pay a higher EMI in the initial years of your loan tenure as compared to the EMI in the later years.
Easy documentation for faster approvals
Multiple documents make applying for a loan a very tedious and lengthy procedure. However, it is easy to apply for a db HomeLoan as the documentation process is simple and friendly leading to a quicker approval.
Loan against property (Top...)
Sometimes you require funds to meet urgent financial needs or social commitments. These include children’s higher education, medical emergencies, travel, daughter’s marriage and more. If you own a residential property, a Deutsche Bank loan against property is the ideal way to meet such needs. With this type of loan you can use your residential property as collateral. The loan amount will be decided based on the market value of your property.
Benefit with Balance Transfer option(Top...)
Why shouldn’t you benefit when you transfer your loan from one bank to another? With db HomeLoans, you will. If you are paying a higher interest rate on your existing home loan, you have the option of transferring your loan to Deutsche Bank at the current interest rates.
Easy documentation for faster approvals
Multiple documents make applying for a loan a very tedious and lengthy procedure. However, it is easy to apply for a db HomeLoan as the documentation process is simple and friendly leading to a quicker approval.
Loan against property (Top...)
Sometimes you require funds to meet urgent financial needs or social commitments. These include children’s higher education, medical emergencies, travel, daughter’s marriage and more. If you own a residential property, a Deutsche Bank loan against property is the ideal way to meet such needs. With this type of loan you can use your residential property as collateral. The loan amount will be decided based on the market value of your property.
Benefit with Balance Transfer option(Top...)
Why shouldn’t you benefit when you transfer your loan from one bank to another? With db HomeLoans, you will. If you are paying a higher interest rate on your existing home loan, you have the option of transferring your loan to Deutsche Bank at the current interest rates.
Pay less with interest calculated on a daily reducing balance(Top...)
Why should you pay interest on the amount you have already repaid? Your db HomeLoan makes sure that your interest is calculated only on the outstanding loan amount, which reduces every time you pay off your EMIs or make any pre-payments. This lowers your effective interest amount significantly.
Easy eligibility criteria for easy approvals(Top...)
Both salaried and self-employed professionals can apply for a db HomeLoan. The loan amounts are decided on the basis of repayment capacity and take into account factors like income, age, qualifications, number of dependents, assets, liabilities, savings history, stability and continuity of occupation. The maximum loan amount sanctioned is 90% of the cost of property which includes property registration and stamp duty.
Free property valuations and consultative advice(Top...)
You also have the option of getting free property valuations and consultative advice on overall property purchase process from us, subject to disbursal of home loan. This will save you from complications in the future and help you buy the best property.
The loan amounts up to Rs. 5 crore and the tenure is from 5 years to 20 years. You can choose between a fixed and a floating interest rate for your loan. Also, with attractive interest rates and savings on taxes, a db HomeLoan gives you complete peace of mind.
db HomeLoan offers the following advantages:
At Deutsche Bank, you’ll find a wide range of home loans to suit your varied needs.
Customized loans
db Flexi HomeLoan
This option enables you to hedge against the uncertainty of interest rate fluctuations by giving you a combination of both fixed and floating interest rates. A part of your loan will be at a fixed interest rate, while the other will attract fluctuating interest. This way, no matter how the interest rates move, your exposure is limited.
db StepUp HomeLoan
This option is the ideal home loan for you during the initial years of your career. It makes you eligible for a higher loan amount and at the same time, takes into account your repayment capacity. The EMIs are lower in the initial years and higher in later years, keeping pace with an increase in your income levels.
db StepDown HomeLoan
This option allows you to pay a higher EMI in the initial years of your loan tenure as compared to the EMI in the later years.
Easy documentation for faster approvals
Multiple documents make applying for a loan a very tedious and lengthy procedure. However, it is easy to apply for a db HomeLoan as the documentation process is simple and friendly leading to a quicker approval.
Loan against property (Top...)
Sometimes you require funds to meet urgent financial needs or social commitments. These include children’s higher education, medical emergencies, travel, daughter’s marriage and more. If you own a residential property, a Deutsche Bank loan against property is the ideal way to meet such needs. With this type of loan you can use your residential property as collateral. The loan amount will be decided based on the market value of your property.
Benefit with Balance Transfer option(Top...)
Why shouldn’t you benefit when you transfer your loan from one bank to another? With db HomeLoans, you will. If you are paying a higher interest rate on your existing home loan, you have the option of transferring your loan to Deutsche Bank at the current interest rates.
Easy documentation for faster approvals
Multiple documents make applying for a loan a very tedious and lengthy procedure. However, it is easy to apply for a db HomeLoan as the documentation process is simple and friendly leading to a quicker approval.
Loan against property (Top...)
Sometimes you require funds to meet urgent financial needs or social commitments. These include children’s higher education, medical emergencies, travel, daughter’s marriage and more. If you own a residential property, a Deutsche Bank loan against property is the ideal way to meet such needs. With this type of loan you can use your residential property as collateral. The loan amount will be decided based on the market value of your property.
Benefit with Balance Transfer option(Top...)
Why shouldn’t you benefit when you transfer your loan from one bank to another? With db HomeLoans, you will. If you are paying a higher interest rate on your existing home loan, you have the option of transferring your loan to Deutsche Bank at the current interest rates.
Pay less with interest calculated on a daily reducing balance(Top...)
Why should you pay interest on the amount you have already repaid? Your db HomeLoan makes sure that your interest is calculated only on the outstanding loan amount, which reduces every time you pay off your EMIs or make any pre-payments. This lowers your effective interest amount significantly.
Easy eligibility criteria for easy approvals(Top...)
Both salaried and self-employed professionals can apply for a db HomeLoan. The loan amounts are decided on the basis of repayment capacity and take into account factors like income, age, qualifications, number of dependents, assets, liabilities, savings history, stability and continuity of occupation. The maximum loan amount sanctioned is 90% of the cost of property which includes property registration and stamp duty.
Free property valuations and consultative advice(Top...)
You also have the option of getting free property valuations and consultative advice on overall property purchase process from us, subject to disbursal of home loan. This will save you from complications in the future and help you buy the best property.
ROYAL BANK OF SCOTLAND HOME LOAN
Home Finance offers you a bouquet of facilities, benefits and services that are par excellence. From facility disbursal to maturity you can count on RBS to offer you a relationship of strength. Since your convenience is our only focus, we pay meticulous attention to every detail. Your dream of a new house comes true with us with maximum ease that is the RBS hallmark.
HOME BUYER
if lack of funds is the only reason why you haven’t even started looking for a home, your worries are over. Whenever you find your dream home let Home Buyer secure it for you.
It's quite simple. You can borrow up to 70-80%* of the appraised value of your new home (or up to Rs. 50 million, whichever is lower).
Flexible installments allow you to repay the principle at your convenience, within a period of 3 to 20 years
*80% for Consumer Banking clients and salaried individuals belonging to "A" rated companies. 70% for all others unless otherwise specified. Restrictions apply on loans above Rs. 15 million.
HOME BUILDER
Would you rather build your dream home than buy a ready-made one?
Home builder lets you borrow up to 80% of the appraised value of the property* (or up to Rs. 30 million, whichever is lower).
You can build your home exactly the way you want it. Flexible installments allow you to repay the principle at your convenience, within a period of 3 to 20 years.
*Appraised value is the market value of the land plus the estimated cost of construction, as determined by independent appraisal agencies.
HOME LANDER
If you're already living where you want to, but feel your home needs to look fresh, then Home Lender is perfect for you. Meet all your renovation expenses - whether it's repainting the house, remodeling the kitchen, building an annex or even buying new furniture.
You can obtain financing of up to 50% of the appraised value of your property (or Rs. 10 million, whichever is lower), and get started.
You then get to choose an installment plan that best meets your needs and repay the principle over a period of 3 to 20 years.
HOME REFINANCE
If you already have a home loan, you may get that loan transferred to Home Refinance
Home Refinance allows you to borrow an amount equivalent to your current loan outstanding balance from elsewhere and gives you a chance to pay back with flexible installments within a period of 3 to 20
You can avail a maximum loan amount of up to Rs. 30 million
HOME BUYER
if lack of funds is the only reason why you haven’t even started looking for a home, your worries are over. Whenever you find your dream home let Home Buyer secure it for you.
It's quite simple. You can borrow up to 70-80%* of the appraised value of your new home (or up to Rs. 50 million, whichever is lower).
Flexible installments allow you to repay the principle at your convenience, within a period of 3 to 20 years
*80% for Consumer Banking clients and salaried individuals belonging to "A" rated companies. 70% for all others unless otherwise specified. Restrictions apply on loans above Rs. 15 million.
HOME BUILDER
Would you rather build your dream home than buy a ready-made one?
Home builder lets you borrow up to 80% of the appraised value of the property* (or up to Rs. 30 million, whichever is lower).
You can build your home exactly the way you want it. Flexible installments allow you to repay the principle at your convenience, within a period of 3 to 20 years.
*Appraised value is the market value of the land plus the estimated cost of construction, as determined by independent appraisal agencies.
HOME LANDER
If you're already living where you want to, but feel your home needs to look fresh, then Home Lender is perfect for you. Meet all your renovation expenses - whether it's repainting the house, remodeling the kitchen, building an annex or even buying new furniture.
You can obtain financing of up to 50% of the appraised value of your property (or Rs. 10 million, whichever is lower), and get started.
You then get to choose an installment plan that best meets your needs and repay the principle over a period of 3 to 20 years.
HOME REFINANCE
If you already have a home loan, you may get that loan transferred to Home Refinance
Home Refinance allows you to borrow an amount equivalent to your current loan outstanding balance from elsewhere and gives you a chance to pay back with flexible installments within a period of 3 to 20
You can avail a maximum loan amount of up to Rs. 30 million
MEEZAN BANK HOME
Buying a Home is Easy & Halal!
Choose it and be ready to move in. Meezan Bank will finance up to maximum of 70%(Salaried, SEP, NRP) of the appraised value of your new home or up to a value of Rs. 40 million, and a maximum of 60%(Businessman) up to a value of Rs 5 Million with a financing tenor of up to 20 years.
Features:
Flexible financing from PKR 300,000/- to PKR 40 million for Salaried, SEP, NRP Customers and from PKR 300,000/- to PKR 5 Million for Businessman Customer.
Easy selection of financing tenure from 3 years to 20 years
Maximum 25 years for salaried and SEP customer.
Bank Investment Ratio (BIR)
Up to 70% for Salaried / SEP / NRP.
Up to 60% for Business persons.
No restriction on early unit purchase / early termination
Building a home is Easy & Halal!
For that special home you want to build yourself. Meezan Bank provides financing up to 70%(salaried, SEP, and NRP) of the appraised value or Rs. 40 million, and a maximum of 60%(Businessman) up to a value of Rs 5 Million for a tenor of up to 20 years.
Easy Builder is a comprehensive proposition that contains:
Residential construction on applicant’s owned land
Purchase of land & residential construction
Enhancement of an already constructed residential bungalow
Features:
Flexible financing from PKR 300,000/- to PKR 40 million for Salaried, SEP, NRP Customers and from PKR 300,000/- to PKR 5 Million for Businessman Customer.
Easy selection of financing tenure from 2 years (excluding construction period of max 12 months) to 20 years.
Maximum 25 years for salaried and SEP customers.
Bank Investment Ratio (BIR)
Up to 70% for Salaried / SEP / NRP.
Up to 60% for Businesspersons.
No restriction on early unit purchase / early termination after 12 months of completion)
Renovating your home is Easy & Halal!
he wait is over. Now continue to enjoy your home but with the added satisfaction and peace of mind you have always wanted. Meezan Bank will help you switch your existing liability over to us and let you enjoy the benefits of Halal and totally flexible financing. Financing up to Rs. 40 million(Salaried, SEP, NRP) and Rs 5 million(Businessman) and a tenor of up to 20 years.
Features:
Flexible financing from PKR 150,000/- or up to 30% of property value
Easy selection of financing tenure from 2 years up to a maximum of 15 years.
Choose it and be ready to move in. Meezan Bank will finance up to maximum of 70%(Salaried, SEP, NRP) of the appraised value of your new home or up to a value of Rs. 40 million, and a maximum of 60%(Businessman) up to a value of Rs 5 Million with a financing tenor of up to 20 years.
Features:
Flexible financing from PKR 300,000/- to PKR 40 million for Salaried, SEP, NRP Customers and from PKR 300,000/- to PKR 5 Million for Businessman Customer.
Easy selection of financing tenure from 3 years to 20 years
Maximum 25 years for salaried and SEP customer.
Bank Investment Ratio (BIR)
Up to 70% for Salaried / SEP / NRP.
Up to 60% for Business persons.
No restriction on early unit purchase / early termination
Building a home is Easy & Halal!
For that special home you want to build yourself. Meezan Bank provides financing up to 70%(salaried, SEP, and NRP) of the appraised value or Rs. 40 million, and a maximum of 60%(Businessman) up to a value of Rs 5 Million for a tenor of up to 20 years.
Easy Builder is a comprehensive proposition that contains:
Residential construction on applicant’s owned land
Purchase of land & residential construction
Enhancement of an already constructed residential bungalow
Features:
Flexible financing from PKR 300,000/- to PKR 40 million for Salaried, SEP, NRP Customers and from PKR 300,000/- to PKR 5 Million for Businessman Customer.
Easy selection of financing tenure from 2 years (excluding construction period of max 12 months) to 20 years.
Maximum 25 years for salaried and SEP customers.
Bank Investment Ratio (BIR)
Up to 70% for Salaried / SEP / NRP.
Up to 60% for Businesspersons.
No restriction on early unit purchase / early termination after 12 months of completion)
Renovating your home is Easy & Halal!
he wait is over. Now continue to enjoy your home but with the added satisfaction and peace of mind you have always wanted. Meezan Bank will help you switch your existing liability over to us and let you enjoy the benefits of Halal and totally flexible financing. Financing up to Rs. 40 million(Salaried, SEP, NRP) and Rs 5 million(Businessman) and a tenor of up to 20 years.
Features:
Flexible financing from PKR 150,000/- or up to 30% of property value
Easy selection of financing tenure from 2 years up to a maximum of 15 years.
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