Revised Prudential Regulations for Housing Finance

State Bank of Pakistan
Prudential Regulations for Housing Finance
SME, Housing & Sustainable Finance Department
(Updated on August 18, 2026)

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STATE BANK OF PAKISTAN
SME, Housing & Sustainable Finance Department
The Team
Name Designation Contact Details
Ghulam Muhammad Abbasi Executive Director – FIG ghulam.muhammad@sbp.org.pk Dr. Muhammad Saleem Head of Department – SH&SFD saleem.zia@sbp.org.pk Faisal Shafaat Additional Director – SH&SFD faisal.shafaat@sbp.org.pk Ali Ussama Deputy Director – SH&SFD ali.ussama@sbp.org.pk Momina Naz Assistant Director – SH&SFD momina.naz@sbp.org.pk Website Address: www.sbp.org.pk UAN: 111 727 111

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Table of Contents
Definitions ..................................................................................................................................... 4
Prudential Regulations................................................................................................................. 5
A. Eligible Purposes of Financing............................................................................................ 5
Regulation HF-1: Purposes of Housing Finance ...................................................................... 5
B. Origination, Underwriting Standards and Security Arrangements.................................... 5
Regulation HF-2: Simplified Application Form.......................................................................... 5
Regulation HF-3: Credit Information......................................................................................... 5
Regulation HF-4: Financing Tenor ........................................................................................... 5
Regulation HF-5: Loan-to-Value Ratio ..................................................................................... 5
Regulation HF-6: Debt-Burden Ratio ....................................................................................... 5
Regulation HF-7: Title Documents and Security Arrangements................................................ 6
Regulation HF-8: Property Assessment ................................................................................... 6
C. Documentation and Insurance/Takaful ............................................................................... 6
Regulation HF-9: Financing Documents................................................................................... 6
Regulation HF-10: Insurance / Takaful..................................................................................... 6
D. Disclosure and Transparency.............................................................................................. 7
Regulation HF-11: Information to Borrowers ............................................................................ 7
E. Asset Classification, Provisioning and Restructuring ....................................................... 7
Regulation HF-12: Classification and Provisioning................................................................... 7
Regulation HF-13: Rescheduling / Restructuring of Housing Finance ...................................... 8
Annexure A – Simplified Application Forms............................................................................... 9
Annexure A-I: Application Form for Formal Salaried Person...................................................... 10
Annexure A-II: Application Form for Formal Business................................................................ 14
Annexure A-III: Application Form for Informal Income Person ................................................... 18

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Definitions
For the purposes of these Regulations, unless the context otherwise requires:

Housing Finance means financing provided to individuals for purchase of a residential
house or apartment, construction of house on an already owned plot or for the purchase of a plot and construction of house thereon. Financing availed for the purpose of making improvements to a house or apartment shall also fall within this category.
Mortgage means the registered or equitable mortgage of a specific immovable property for
the purpose of securing the payment of money advanced or to be advanced by way of loan or finance.
Liquid Security means liquid assets as defined in the Prudential Regulations for
Corporate/Commercial Banking.
Low-Cost Housing means:
i. a house of up to 5 marlas or an apartment of up to 1,000 sq. ft., the value of which does
not exceed PKR 10 million; or
ii. a house of up to 10 marlas in a rural area, the value of which does not exceed PKR 10
million.

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Prudential Regulations
A. Eligible Purposes of Financing
Regulation HF-1: Purposes of Housing Finance
Banks and DFIs shall extend housing finance to borrowers solely for the following purposes:
a) Purchase of a house or apartment; b) Construction of a house on a plot already owned by the borrower; c) Purchase of a plot and construction of a house thereon; d) Extension or expansion of an existing house; e) Renovation of a housing unit; and f) Installation of renewable-energy solutions in housing units. B. Origination, Underwriting Standards and Security Arrangements Regulation HF-2: Simplified Application Form Banks and DFIs shall adopt simplified loan-application forms (attached as annexure A) and shall explicitly prescribe the list of documents required for processing applications. Such forms shall be made available to applicants in both physical and digital formats. Regulation HF-3: Credit Information Banks and DFIs shall obtain the latest credit-information report of each prospective borrower from the Electronic Credit Information Bureau (e-CIB) of the State Bank of Pakistan, or from any private Credit Information Bureau licensed by the State Bank of Pakistan. Regulation HF-4: Financing Tenor The maximum tenor for housing finance shall be thirty (30) years. In the case of renewable-energy financing, the maximum tenor shall be ten (10) years. Regulation HF-5: Loan-to-Value Ratio The maximum Loan-to-Value (LTV) ratio for housing finance shall be 90:10. Regulation HF-6: Debt-Burden Ratio Total monthly amortization payments, comprising the housing finance under consideration and all other outstanding consumer-financing obligations, shall not exceed sixty-five per cent (65%) of the net disposable income of the prospective borrower. Banks and DFIs shall use and deploy the informal-income estimation models (proxy models) circulated by the Pakistan Banks’ Association (PBA) for assessment of income and repayment capacity for housing finance, where applicable.

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Regulation HF-7: Title Documents and Security Arrangements Banks and DFIs shall obtain all title and ownership-related property documents from the customer to secure the loan amount. Upon receipt, the bank/DFI shall give the borrower a signed acknowledgement listing all title and property documents received. The house, apartment or plot financed shall be mortgaged in favour of the bank or DFI by way of equitable or registered mortgage. For housing finance up to PKR 5 million, banks and DFIs may extend financing by marking a lien on the property in the records of the relevant land-record authority. In such cases, financing may be extended against a Green Property Certificate issued by the Punjab Land Records Authority (PLRA), where applicable, or an equivalent certificate issued by the competent authority in other provinces. Renewable-energy finance may be extended against hypothecation of the installed assets (solar panels, inverters, batteries and related equipment) or against any other alternate security acceptable to the financing bank or DFI. Regulation HF-8: Property Assessment Housing finance exceeding PKR 10 million shall be subject to assessment of the property by at least one valuator listed on the PBA-approved panel. Housing finance of up to PKR 10 million may be assessed through the bank’s or DFI’s internal resources. For housing units of same category, layout and size within the same society or colony, the banks and DFIs may rely on the valuation of a single unit for all such units, rather than conducting separate valuations for each unit.
C. Documentation and Insurance/Takaful
Regulation HF-9: Financing Documents
Banks and DFIs shall use the standardized set of financing documents prepared and circulated by the Pakistan Banks’ Association (PBA). Signatures and thumb impressions of the applicant may be obtained either physically or digitally. Digital signatures and thumb impressions shall be verified through one-time-password (OTP) or other two factor authentication mechanism. The financing documents shall clearly set out all terms and conditions of the housing finance in both Urdu and English. Regulation HF-10: Insurance / Takaful Banks and DFIs shall obtain comprehensive insurance or takaful coverage of the housing unit financed, through an insurance or takaful company, for an amount equivalent to the outstanding housing-finance exposure. The nature and type of insurance or takaful, the rate of premium, and any other charges shall be explicitly disclosed to the borrower.

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D. Disclosure and Transparency
Regulation HF-11: Information to Borrowers
Banks and DFIs provide the following information to borrowers, either in physical form or through digital means:
a) A copy of the signed finance agreement; b) Prompt notification of any change in instalment amounts in accordance with the terms of the finance agreement; c) An annual statement of account detailing principal repayments, principal outstanding, markup or profit payments, and any penalties levied during the year; and d) Full disclosure, prior to initiation of the transaction, of all components of fees and costs including prepayment penalties and the annualized percentage rate together with the conditions under which they apply. There shall be no hidden charges. E. Asset Classification, Provisioning and Restructuring Regulation HF-12: Classification and Provisioning Housing finance shall be classified and provisioned in accordance with the following framework:
Classification Determinant Treatment of Income Provisioning Requirement OAEM Mark-up/profit or principal overdue by 90 days or more from the due date. — As per IFRS-9 Expected Credit Loss (ECL). Default notices to be issued to the borrower. Substandard Mark-up/profit or principal overdue by 180 days or more from the due date. Unrealized mark-up/profit to be kept in a Memorandum Account and not credited to Income Account except when realized in cash. Any unrealized mark-up/profit already taken to income shall be reversed and placed in the Memorandum Account. Provision of 25% of the difference between the outstanding principal and the sum of (a) liquid assets realizable without recourse to a Court of Law and (b) Forced Sale Value (FSV) of mortgaged properties to the extent of 75% of such FSV; or the IFRS-9 ECL amount, whichever is higher. Doubtful Mark-up/profit or principal overdue by one year or more from the due date. Same treatment as for Substandard. Provision of 50% of the difference described above, or the IFRS-9 ECL amount, whichever is higher. Loss Mark-up/profit or principal overdue by two years or more from the due date. Same treatment as for Substandard. Provision of 100% of the difference described above, subject to the following FSV benefit schedule: 75% of FSV for the first and second year, 50% for the third and fourth year, and 30% for the fifth year from the date of classification; or the IFRS-9 ECL amount, whichever is higher. The benefit of Forced Sale Value (FSV) against non-performing loans shall cease after five (5) years from the date of classification of the financing.

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Banks and DFIs may avail the benefit of FSV for provisioning purposes, provided that any profit arising from the availing of such benefit shall not be available for the payment of cash or stock dividend. The Head of Credit of each bank or DFI shall ensure that the FSV used for taking the benefit of provisioning is determined accurately and reflects market conditions under a forced-sale scenario. Any misuse of the FSV benefit detected during regular or special inspection by the State Bank of Pakistan shall attract strict punitive action under the relevant provisions of the Banking Companies Ordinance, 1962. The State Bank of Pakistan may also withdraw the benefit of FSV from any bank or DFI found to have misused it. Regulation HF-13: Rescheduling / Restructuring of Housing Finance a) Banks and DFIs shall maintain a Board-approved policy (or a policy approved by the Country Head in the case of foreign-bank branches) governing the rescheduling and restructuring of housing finance. b) Rescheduling or restructuring shall not be undertaken solely to avoid classification of financing or the associated provisioning requirements. Housing-finance facilities of any borrower shall not be rescheduled or restructured more than once within any two-year period. c) In effecting a rescheduling or restructuring, banks and DFIs may extend the tenure of the financing by a maximum of five (5) years beyond the original tenure agreed with the customer, subject always to the overall maximum financing tenor of thirty (30) years. d) When considering a rescheduling or restructuring proposal, banks and DFIs shall, inter alia, take into account the repayment capacity of the borrower. e) The classification status of a non-performing asset shall not be upgraded solely by reason of rescheduling or restructuring unless the borrower has paid at least ten per cent (10%) of the rescheduled or restructured amount (principal and mark-up/profit combined) or has paid six instalments in accordance with the revised terms, whichever is higher. f) Provisions already held against a non-performing financing that is subsequently rescheduled or restructured shall be reversed only upon fulfilment of the recovery condition set out in paragraph (e) above. g) If the borrower again defaults (i.e., reaches 180 days past due) within two years after declassification, the financing shall be classified in the same category in which it stood prior to the rescheduling or restructuring. Banks and DFIs may, at their discretion, further downgrade the classification in accordance with their internal policies.

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Annexure A – Simplified Application Forms
Annexure A-I: Application Forms for Formal Salaried Person (English + Urdu) Annexure A-II: Application Forms for Formal Business (English + Urdu) Annexure A-III: Application Forms for Informal Income Person (English + Urdu)

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Annexure A-I: Application Form for Formal Salaried Person Date: _____________ Application No: ___________________ Application Form for FORMAL SALARIED PERSON Housing Finance1 PURPOSE OF FACILITY Purpose of Loan/Financing (Please tick):
House/ apartment/ flat purchase Plot+ Construction Construction Extention/Expansion of house Renovation Renewable Energy Solution for Housing Unit Amount applied for Rs. :_________________ Tenor:______________________ Applicant’s own contribution through equity Rs.:
PERSONAL DETAILS
Name: ________________________
CNIC No.:
Current Residential Address:
Phone No/Cell No.: Email address (Optional):
EMPLOYMENT DETAILS
Name of Employer: Type of Employment (Please tick): Contract Permanent Designation & Department:__________ Date of Joining:______________ Net Monthly Income (take home): Rs.__________ Office Contact No.: ___________________ Name of previous employer (if any): _____________________________________________ Are you an existing customer of our bank? Yes No If, yes, your Account Number:_______________ Applicant(s) Signature:___________________ 1 Same application form will be used in case of Co-borrowers

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Documentation Requirement Original / Copy
Loan Application Form (LAF) Original
Product Disclosure Sheet Original
Valid CNIC of applicant & Co-Borrower (where applicable) Copy 2 Passport size color Photographs of applicant & Co- Borrower (where applicable) Original Proof of allotment, transfer and/or Title Document of the property to be mortgaged (if available) Copy Direct Debit Authority (DDA) & Employer’s certificate mentioning that payroll account maintenance shall continue with the lending Bank (where applicable) Original Proof of Employment (along with length of employment) for example:

Employment letter
OR
Employment Certificate
OR
Any valid documentary evidence from employer
Original / Copy
Income Proof document (salary breakup and deductions to be clearly mentioned) for example:
Current Salary Slip
OR
Salary Certificate
Account Maintenance Certificate along with last 6-month Bank statement
with Salary Credits
Notes:
Maximum of 60 days old salary slip & Bank Statement may be accepted
Online / e-salary slips are acceptable with positive verification
Original salary slip / e-slip does not require stamp or sign.
Original / Copy
Original
Original
Disclaimer:
Bank shall obtain all required additional information and documents as the application progresses in line with internal / external policy & regulations. Applicant(s) Signature:___________________ Application Date:___________________

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تاریخ:____________________ درخواست نمبر : ____________________ باقاعدہ تنخواہ دار شخص کے لیے درخواست فارم 2 ہاؤسنگ فنانس قرضہ لینے کا مقصد قرضہ لینے کا مقصد )نشان لگائیں (:
مکان/ اپارٹمنٹ/ فلیٹ کی خریداری پالٹ + تعمیر تعمیر مکان کی توسیع مکان کی مرمت رہائشی یونٹ کے لیے قابل تجدید توانائی کے حل

درخواست کردہ رقم: _________________ روپے
مدت: ____________________
درخواست گزار کی اپنی رقم بذریعہ ایکویٹی: ______________ روپے ذاتی تفصیالت نام: ________________________ کمپیوٹرائزڈ قومی شناختی کارڈ نمبر:
موجودہ رہائشی پتہ: ______
فون نمبر/موبائل نمبر: ای میل ایڈریس )اگر ہو تو(:
روزگار کی تفصیل
کمپنی کا نام: _____________
مالزمت کی قسم )نشان لگائیں(:
کنٹریکٹ
مستقل
عہدہ اور محکمہ: __________________
جوائننگ کی تاریخ: __________________
خالص ماہانہ آمدنی )گھر لے جانے والی(: ______________ روپے دفتر کا رابطہ نمبر: __________________ سابقہ کمپنی کا نام )اگر کوئی ہو(:_____________________________________________

کیا آپ ہمارے بینک کے موجودہ صارف ہیں؟ جی نہیں جی ہاں نٹ نمبر:
ٔ
اگر ہاں تو پھر آپ کا اکاو _______________
درخواست گزار کے دستخط: ___________________
2
شریک قرض گیر )borrower-co )بھی یہی فارم پُر کرے گا۔

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مطلوبہ دستاویزات اصل/نقل
قرضے کی درخواست کا فارم اصل
پراڈکٹ کی تفصیالت اصل
ٔ درخواست گزار اور شری ِک کار دونوں کے ثر کمپیوٹرائزڈ قومی شناختی کارڈ مو )جہاں قابل اطالق نقل ہوتا ہو( درخواست گزار اور شری ِک کار دونوں کی 2 پاسپورٹ سائز رنگین تصاویر )جہاں اطالق ہوتا ہو( اصل رہن رکھی جانے والی جائیداد کی االٹمنٹ، ٹرانسفر اور /یا ٹائٹل دستاویز )اگر دستیاب ہو( نقل ڈائریکٹ ڈیبٹ اتھارٹی )ڈی ڈی اے( اور آجر کی تصدیقی سند جس میں یہ بتایا گیا ہو کہ تنخواہ اُسی بینک میں جائے گی جس سے قرض لیا ہو )جہاں اطالق ہوتا ہو(۔ اصل مالزمت کا ثبوت )مالزمت کی مدت کے ساتھ(، مثال کے طور پر:

مالزمت نامہ
یا یا
مالزمت کا سرٹیفکیٹ
یا
آجر کی طرف سے کوئی باقاعدہ دستاویزی ثبوت
اصل /نقل
آمدنی کے ثبوت کی دستاویز )تنخواہ کی تفصیل اور کٹوتیوں کو واضح طور پر درج کیا جائے( مثال:
تنخواہ کی موجودہ رسید
یا
تنخواہ کا سرٹیفکیٹ
ٔ • نٹ
اکاو برقرار رکھنے کے سرٹ یفکیٹ کے ہمراہ کریڈٹ کی گئی تنخواہ پر مشتمل گذشتہ6 مہینوں کی بینک اسٹیٹمنٹ نوٹ:
⎯ زیادہ سے زیادہ60دن پرانی سیلری سلپ اور بینک اسٹیٹمنٹ کو قبول کیا جا سکتا ہے۔ ⎯ آن الئن/ای سیلری سلپ مثبت توثیق کے ساتھ قابل قبول ہے۔ ⎯ اصل سیلری سلپ/ای سلپ کے لیے مہر یا دستخط کی ضرورت نہیں۔ اصل /نقل اصل اصل اعالن:
جب درخواست آگے بڑھے گی تو اندرونی/ بیرونی پالیسی اور ضوابط کے مطابق بینک تمام مطلوبہ اضافی معلومات اور دستاویزات طلب کر سکتا ہے۔ درخواست گزار )روں( کے دستخط: ___________________ درخواست کی تاریخ: ___________________

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Annexure A-II: Application Form for Formal Business Date: _____________ Application No:_________________ Application Form for FORMAL BUSINESS Housing Finance3 PURPOSE OF FACILITY Purpose of Loan/Financing (Please tick):
House/apartment/flat purchase Plot + Construction Construction Extention/Expansion of house Renovation Renewable Energy Solution for Housing Unit Amount applied for Rs.:_________________ Tenor:______________________ Applicant’s own contribution through equity Rs.:_______________________ PERSONAL DETAILS Name: ___________________________ CNIC No.:
Current Residential Address:
Phone No/Cell No.: Email address (Optional):
Type of Business/Profession/Industry:_________ Business Name and Address:__________________________________________ Share in Business (%): Establishment Date: Business NTN No.: ______________ Annual Sales Turnover___________ Duration of Business:
Type of Legal Entity (Please tick): Partnership Proprietorship Others: ________ Office Premises (Please tick): Owned Rented Are you an existing [Bank Name] customer? Yes No If yes, Your Account Number:_________________ Applicant(s) Signature:___________________ 3 Separate application form shall be filled by co-borrower. MONTHLY EXPENDITURE EXPENDITURE (Amount in Rs.) EXPENDITURE (Amount in Rs.) Rent Card/Loan Payment Utilities (Other than telephone) Other Expenses Telephone Total Monthly Expenditure Education BUSINESS DETAILS

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Documentation Requirement Original / Copy
Loan Application Form (LAF) Original
Product Disclosure Sheet Original
Valid CNIC of both applicant & Co-Borrower (where applicable) Copy 2 Passport size colour Photographs of applicant & Co-Borrower (where applicable) Original Direct Debit Authority (DDA) (where applicable) Original Proof of allotment, transfer and/or Title Document of the property to be mortgaged (where available) Copy Proof of Business (stating ownership and length of business) for example:

Partnership Deed
OR
Bank Certificate for Sole Proprietor / Partnership
OR
NTN Certificate
OR
Rent agreement of office
OR
Professional Degree / Diploma &/OR Valid Membership of applicable
Professional body
OR
Any other valid acceptable business document verifiable from authority
fulfilling minimum business tenor requirement.
Copy
Original
Copy / Original
Income assessment document
Account Maintenance Letter along with at least recent 6 months Bank
Statement

Notes:

Maximum of 60 days Bank statement may be accepted
Original Bank statement with bank stamp
Original
Disclaimer:
Bank shall obtain all required additional information and documents as the application progresses in line with internal / external policy & regulations. Applicant(s) Signature:___________________ Application Date:___________________

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تاریخ:____________________ درخواست نمبر : ____________________ باضابطہ کاروبار والوں کے لیے درخواست فارم 4 ہاؤسنگ فنانس قرضہ لینے کا مقصد قرضہ لینے کا مقصد )نشان لگائیں( :
مکان/ اپارٹمنٹ/ فلیٹ کی خریداری پالٹ + تعمیر تعمیر مکان کی توسیع مکان کی مرمت رہائشی یونٹ کے لیے قابل تجدید توانائی کے حل درخواست کردہ رقم: _________________ روپے مدت: ______________ درخواست گزار کی اپنی رقم بذریعہ ایکویٹی: ______________ روپے ذاتی تفصیالت نام:___________________________ کمپیوٹرائزڈ شناختی کارڈ نمبر:
موجودہ رہائشی پتہ :
فون نمبر / موبائل نمبر:
ای میل ایڈریس:
کاروبار / پیشے/ صنعت کی نوعیت: __________________ کاروبار کا نام اور پتہ : _________________________________________ کاروبار میں فیصد حصہ: _______ قیام کی تاریخ: ______________ کاروبار کا این ٹی این :

ساالنہ فروخت کی رقم: ______________ کاروبار کی مّدت : ______________ کاروبار کی نوعیت )نشان لگائیں( : شراکتی کاروبار ذاتی ملکیت دیگر:
دفتر کی عمارت )نشان لگائیں( :
ذاتی ملکیت کرایہ پر
کیا آپ بینک )بینک کا نام( کے صارف ہیں؟
ٔونٹ نمبر:____________________________
جی ہاں جی نہیں آپ کا اکا
درخواست گزار )وں( کے دستخط : ___________________ 4 شریک قرض گیر )borrower-co )علٰیحدہ فارم پُر کرے گا۔ ماہانہ اخراجات اخراجات )رقم روپے میں( اخراجات )رقم روپے میں( کرایہ کارڈ/ قرضے کی ادائیگی یوٹیلٹیز)عالوہ از ٹیلی فون( دیگر اخراجات ٹیلی فون مجموعی ماہانہ اخراجات تعلیم کاروبار کی تفصیل

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مطلوبہ دستاویزات اصل / نقل
قرضے کی درخواست کا فارم اصل
پراڈکٹ کی تفصیالت اصل
ثر کمپیوٹرائزڈ شناختی کارڈ )جہاں اطالق ہوتا ہو( درخواست گزار اور شری ِک کار دونوں کے مو نقل ٔ درخواست گزار اور شری ِک کار دونوں کی 2 پاسپورٹ سائز رنگین تصاویر )جہاں اطالق ہوتا ہو( اصل ڈائریکٹ ڈیبٹ اتھارٹی )جہاں اطالق ہوتا ہو( اصل ڈائریکٹ ڈیبٹ اتھارٹی )ڈی ڈی اے( اور آجر کی تصدیقی سند جس میں یہ بتایا گیا ہو کہ تنخواہ اُسی بینک میں جائے گی جس سے قرض لیا ہو )جہاں اطالق ہوتا ہو(۔ نقل کاروبار کا ثبوت جس سے ملکیت اور کاروبار کی مدت ظاہر ہو ، مثال کے طور پر:

پارٹنرشپ ڈیڈ
یا
ذاتی ملکیت/ کاروباری شراکت کا بینک سرٹیفکیٹ
یا
این ٹی این سرٹیفکیٹ
یا
دفتر کا کرایہ نامہ
یا
ٔ • ثر رکنیت
پروفیشنل ڈگری/ ڈپلومہ اور/یا متعلقہ پروفیشنل ادارے کی مو یا ٔ • ثر قاب ِل قبول کاروباری دستاویز جس کی توثیق اتھارٹی سے کرائی جا سکے اور کوئی اور مو جس سے کم از کم کاروباری مّدت کی ضرورت پوری ہوتی ہو نقل اصل نقل اصل/ نقل آمدنی کے تجزیے کی دستاویز اکاو 6 ماہ کا حالیہ بینک اسٹیٹمنٹ ٔ • نٹ برقرار رکھنے کا لیٹر مع کم از کم

نوٹ:
⎯ بینک اسٹیٹمنٹ زیادہ سے زیادہ 60 دن پرانا قاب ِل قبول ہوگا ⎯ اصل بینک اسٹیٹمنٹ ہونا چاہیے جس پر بینک کی مہر لگی ہو اصل اعالن:
جب درخواست آگے بڑھے گی تو اندرونی/ بیرونی پالیسی اور ضوابط کے مطابق بینک تمام مطلوبہ اضافی معلومات اور دستاویزات طلب کر سکتا ہے۔ درخواست گزار )وں(کے دستخط: _______________________ درخواست کی تاریخ: _____________

State Bank of Pakistan | Housing Finance Prudential Regulations-2026
Page 18 of 21 • SME, Housing & Sustainable Finance Department
Annexure A-III: Application Form for Informal Income Person Date: _____________ Application No:_________________ Application Form for INFORMAL INCOME PERSON Housing Finance5 PURPOSE OF FACILITY Purpose of Loan/Financing (Please tick):
House/apartment/flat purchase Plot + Construction Construction Extention/Expansion of house Renovation Renewable Energy Solution for Housing Unit Amount applied for Rs.:_________________ Tenor:______________________ Applicant’s own contribution through equity Rs.:_______________________ PERSONAL DETAILS Name: ___________________________ CNIC No.:
Current Residential Address:
Phone No/Cell No.:
Gross Salary or Income from Business: Rs.
Are you an existing [Bank Name] customer? Yes No If Yes, your Account Number:_______________________ Applicant(s) Signature:___________________ 5 Same application from will be used in case of Co-borrowers MONTHLY INCOME/EXPENDITURE DETAILS EXPENDITURE (Amount in Rs.) EXPENDITURE (Amount in Rs.) Rent Education Utilities (Other than telephone) Other Expenses Telephone Total Monthly Expenditure

State Bank of Pakistan | Housing Finance Prudential Regulations-2026
Page 19 of 21 • SME, Housing & Sustainable Finance Department
Documentation Requirement Original / Copy
Loan Application Form (LAF) Original
Product Disclosure Sheet Original
Valid CNIC of both applicant & Co-Borrower (where applicable) Copy 2 Passport size color Photographs of applicant & Co-Borrower (where applicable) Original Proof of allotment, transfer and/or Title Document of the property to be mortgaged (where available) Copy Direct Debit Authority (DDA) & Employer’s certificate mentioning that payroll account maintenance shall continue with the lending Bank (where applicable) In case customer has informal sources of income, one of the following documents shall be required to assess customer based on proxy income or repayment surrogates, for example:

Rent Agreement
OR
Rent Payment declaration
OR
Utility Bills
OR
Telco Bill
OR
School Fee Challan
OR
Any other valid expense document (as per defined income proxy)
Copy
Original
Copy
Disclaimer:
Bank shall obtain all required additional information and documents as the application progresses in line with internal / external policy & regulations. Applicant(s) Signature:___________________ Application Date:___________________

State Bank of Pakistan | Housing Finance Prudential Regulations-2026
Page 20 of 21 • SME, Housing & Sustainable Finance Department
تاریخ:____________________ درخواست نمبر : ___________________ غیررسمی آمدنی والے افراد کے لیے درخواست فارم 6 ہاؤسنگ فنانس قرضہ لینے کا مقصد قرضہ لینے کا مقصد )نشان لگائیں( :
X
درخواست کردہ رقم: ________________________ روپے مدت:

درخواست گزار کی اپنی رقم بذریعہ ایکویٹی: ________________________ روپے ذاتی تفصیالت نام:________________________ کمپیوٹرائزڈ شناختی کارڈ نمبر:
موجودہ رہائشی پتہ:
_________________________________________________________________________________ _______________ فون نمبر / موبائل نمبر: __________________________________________________ مجموعی تنخواہ یا کاروباری آمدنی ________________________ روپے کیا آپ بینک)بینک کا نام( کےصارف ہیں؟ جی ہاں جی نہیں نٹ نمبر:
اگر ہاں تو، آپ کا اکاو _______________________________ ٔ درخواست گزار )وں(کے دستخط: ________________________ 6 شریک قرض گیر )borrower-co )علٰیحدہ فارم پُر کرے گا۔ ماہانہ آمدنی / اخراجات کی تفصیل اخراجات )رقم روپے میں( اخراجات )رقم روپے میں( کرایہ تعلیم یوٹیلٹیز)عالوہ از ٹیلی فون( دیگر اخراجات ٹیلی فون مجموعی ماہانہ اخراجات

State Bank of Pakistan | Housing Finance Prudential Regulations-2026
Page 21 of 21 • SME, Housing & Sustainable Finance Department
مطلوبہ دستاویزات اصل / نقل
قرضے کی درخواست کا فارم اصل
پراڈکٹ کی تفصیالت اصل
ثر کمپیوٹرائزڈ شناختی کارڈ )جہاں اطالق ہوتا ہو( درخواست گزار اور شری ِک کار دونوں کے مو نقل ٔ درخواست گزار اور شری ِک کار دونوں کی 2 پاسپورٹ سائز رنگین تصاویر )جہاں اطالق ہوتا ہو( اصل رہن رکھی جانے والی پراپرٹی کی االٹمنٹ، ٹرانسفر اور/ یا ٹائٹل دستاویز )جہاں دستیاب ہو( نقل ڈائریکٹ ڈیبٹ اتھارٹی )ڈی ڈی اے( اور آجر کی تصدیقی سند جس میں یہ بتایا گیا ہو کہ تنخواہ اُسی بینک میں جائے گی جس سے قرض لیا ہو )جہاں اطالق ہوتا ہو(۔ آمدنی اور ادائیگی کے وسائل اگر صارف کے ذرائع آمدنی غیر رسمی ہیں تو صارف کی اندازاً کا تعین کرنے کے لیے ذیل میں درج دستاویزات میں سے کسی ایک کی ضرورت ہوگی، مثال:ً

کرایہ نامہ
یا
کرایہ ادائیگی کا حلف نامہ
یا
یوٹیلٹی بلز
یا
موبائل فون کے بلز
یا
اسکول فیس چاالن
یا
آمدنی متعین کی جاسکے(
اخراجات کی کوئی اور قاب ِل قبول دستاویز )جس سے اندازاً
نقل
اصل
نقل
اعالن:
جب درخواست آگے بڑھے گی تو اندرونی/ بیرونی پالیسی اور ضوابط کے مطابق بینک تمام مطلوبہ اضافی معلومات اور دستاویزات طلب کر سکتا ہے۔ درخواست گزار )وں(کے دستخط _____________________ درخواست کی تاریخ: _____________