HBL Ghar Scheme 2025 – Complete Guide to HBL Home Loan, Eligibility & Application Process

Oct 14, 2025

HBL Ghar Scheme

Owning a home is a dream for every Pakistani family, and with rising property prices, it has become more difficult to achieve. To address this challenge, Habib Bank Limited (HBL) has introduced the HBL Ghar Scheme 2025, a dedicated home loan program that makes it easier for individuals and families to buy, build, or renovate their houses.

This scheme is part of the broader initiative to expand housing finance in Pakistan, aligned with the government’s vision of providing affordable housing opportunities to the middle and lower-income segments.

What is the HBL Ghar Scheme 2025?

The HBL Ghar Scheme is a structured home financing program that offers flexible loan amounts, competitive interest rates, and repayment plans extending up to 20 years. It is designed for salaried individuals, business owners, and overseas Pakistanis who wish to own a house in their homeland.

Unlike traditional bank loans, this scheme comes with simplified documentation, quick approvals, and multiple financing options tailored to customer needs.

Key Features of HBL Ghar Scheme 2025

Loan Purpose: Purchase of a new house, construction on owned land, apartment buying, or renovation.
Loan Amount: Financing starting from PKR 500,000 up to PKR 10 million (depending on income and eligibility).
Repayment Tenure: Flexible plans ranging from 5 to 20 years.
Down Payment: Minimum of 15% to 25% of the property value.
Profit Rate: Competitive mark-up based on market conditions, with special discounts for early applicants.
Insurance Facility: Life and property insurance included for borrower protection.

Eligibility Criteria for HBL Ghar Scheme

To apply for the home loan, applicants must fulfill certain requirements.

Nationality: Must be a Pakistani citizen (resident or overseas).
Age Limit: 25 years minimum and up to 60 years for salaried employees (65 years for self-employed).
Income Requirement: Minimum monthly income of PKR 50,000 for salaried and PKR 100,000 for business owners.
Employment Status: At least 2 years of work experience for salaried and 3 years of business track record for self-employed individuals.
Credit History: Must maintain a satisfactory credit record with no major defaults.

Types of Loans Offered under HBL Ghar Scheme 2025

Home Purchase Loan – For buying a new house or apartment.
Construction Loan – To build a house on self-owned land.
Renovation Loan – For upgrading or expanding an existing property.
Apartment Financing – For purchasing flats in approved housing projects.

Step-by-Step Application Process

Applying for the HBL Ghar Scheme 2025 is simple and convenient. Here’s the process:

Application Submission: Visit the nearest HBL branch or designated housing finance desk and fill out the loan form.
Document Verification: Provide CNIC, salary slips, bank statements, and property details for verification.
Pre-Approval: Once eligibility is confirmed, the bank issues a pre-approval letter.
Property Evaluation: The property is assessed by experts to ensure market value and legal clearance.
Final Approval: After all checks, the loan is approved and disbursed.
Repayment Schedule: Monthly installments are set up according to the agreed repayment tenure.

Documents Required

CNIC copy of applicant and co-applicant (if any)
Salary slips or proof of business income
Bank statements of the last 6 months
Property documents (ownership or sale agreement)
Two passport-size photographs
Employer’s certificate (for salaried individuals)

Benefits of Choosing HBL Ghar Scheme

Easy and quick loan processing
Wide range of financing options
Long-term repayment flexibility
Affordable monthly installments
Insurance coverage for security
Available for both residents and overseas Pakistanis

Why This Scheme is Important for Pakistan

The HBL Ghar Scheme not only fulfills the housing needs of families but also supports Pakistan’s economy by boosting the construction sector, creating jobs, and increasing home ownership rates. By making home loans accessible, it reduces the financial burden on families and helps them invest in long-term stability.

Conclusion

The HBL Ghar Scheme 2025 is an excellent opportunity for Pakistanis who dream of owning a home. With flexible financing, easy documentation, and long-term repayment options, it offers a practical solution to meet housing needs in a rising real estate market. Whether you are a salaried individual, a business owner, or an overseas Pakistani, this scheme provides a secure pathway to turn your dream home into reality.