HBL Home Loan (Ghar Scheme) — 2026 Guide
HBL offers home financing through its “HBL Ghar Scheme,” covering buying, building, or renovating a home — with both conventional and Shariah-compliant Islamic options. Here are the current details, verified as of August 2026.
HBL Home Loan: Key Details
| Feature | Detail |
|---|---|
| Financing Range | PKR 2 million – PKR 50 million |
| Coverage | Up to 70% of property value |
| Tenure | 3 – 25 years |
| Rate | Floating (~12.50%) or fixed; Prestige customers may get preferential rates |
| Down Payment | Approximately 30% of property value |
Islamicvs. Conventional Options
HBL’s Islamic Home Finance follows the Shariah-compliant Diminishing Musharakah model, where you and the bank jointly own the property; you gradually buy out the bank’s share while paying rent on the remaining portion — no conventional interest is charged. HBL also offers a standard conventional home loan for those who prefer that structure.
Other HBL Home Finance Products
- Roshan Apna Ghar — for overseas Pakistanis, financing facilitated through the Roshan Digital Account (RDA)
- Prestige Home Finance — designed for high-income clients, with preferential rates
Eligibility
Available to salaried employees, self-employed individuals, and overseas Pakistanis, subject to HBL’s income and credit history requirements. The property’s location and title must also meet HBL’s approval criteria.
How to Apply
- Visit your nearest HBL branch, or
- Apply online through HBL’s Islamic Finance portal (for Islamic Home Finance)
Frequently Asked Questions
What is the maximum HBL home loan amount?
Up to PKR 50 million, depending on eligibility and property value.
Can overseas Pakistanis apply for an HBL home loan?
Yes, through the Roshan Apna Ghar program under the Roshan Digital Account (RDA).
Is HBL’s Islamic Home Finance really interest-free?
Yes — it follows the Diminishing Musharakah model, a Shariah-compliant structure where you pay rent on the bank’s share of the property rather than interest, gradually buying out full ownership.
How much down payment is required?
Typically around 30% of the property value, though this can vary by specific product and applicant profile.
Rates and terms are subject to change — always confirm current details directly with HBL before applying.
Related: How to Get a Home Loan in Pakistan
