NBP Saiban

Basic Eligibility Criteria

* Must be Pakistani resident national, having satisfactory credit history.

Products Offered

*  Home Purchase - HP (House or Apartment)

*  Home Construction - HC

*  Land Purchase plus Construction - LPC

*  Home Improvement - HI

*  Balance Transfer Facility (BTF)

Income

*  For Salaried Class: Minimum net take home may be considered as Rs. 35,000/-

*  For Business Persons & Self-Employed Professionals: Minimum net take home is PKR 150,000/-.

Length of Service

*  For Salaried Class: Min 1 year with the current employer and collective & continuous employment of 3 years for both permanent and contractual employees. 

* For SEB/SEP: Min: 3 years in the same business

Debt to Equity Ratio 

*  85:15 for loan upto Rs 25 million

*  75:25 for loan over Rs 25 million

* 40:60 for HI or 5.0 million whichever is lower

Mark-up Rate

*  For Salaried Class - 1 Year KIBOR + 2%

* For SEP/SEB Class - 1 Year KIBOR + 3%

Loan Tenor

* Minimum: 3 years Maximum: 25 years (HP/HC/LPC/BTF)

* Minimum: 3 years Maximum: 15 years (HI) 

Debt Burden Ratio (DBR)

* Maximum up to 50% (DBR is linked with Net Income)

Loan amount

* Up to Rs.75 Million

Documentation Requirement 

https://www.nbp.com.pk/Saibaan/Document/List-of-Required-Documents-Saibaan-V.02.pdf