{"id":8053,"date":"2026-07-20T10:32:04","date_gmt":"2026-07-20T10:32:04","guid":{"rendered":"https:\/\/uat.khushhalibank.com.pk\/?page_id=8053"},"modified":"2026-07-20T10:32:23","modified_gmt":"2026-07-20T10:32:23","slug":"8053-2","status":"publish","type":"page","link":"https:\/\/uat.khushhalibank.com.pk\/?page_id=8053","title":{"rendered":"Khushhali Apna Makaan"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column css_animation=&#8221;fadeInUp&#8221;][gva_block_heading title=&#8221;Khushhali Apna Makaan&#8221; icon=&#8221;gv-icon-65&#8243; align=&#8221;align-left&#8221; subtitle=&#8221;Loan&#8221;]<\/p>\n<h4>Product Type<\/h4>\n<p>Individual Micro-housing\u00a0Loan<\/p>\n<h4>Product Purpose<\/h4>\n<p>Loan for New construction and\u00a0Structural Changes or Renovation\u00a0in the existing house.<\/p>\n<h4>Loan Eligibility Criteria<\/h4>\n<ul>\n<li>Minimum age to avail the loan: 20 years.<\/li>\n<li>Maximum age at limit maturity.\n<ul>\n<li>For Salaried Individuals: 60 Years.<\/li>\n<li>For Self-employed Individuals: 68 years.<\/li>\n<li>For Pensioner individuals: 70 years.<\/li>\n<\/ul>\n<\/li>\n<li>Annual income of Applicant (net of business expenses) should exceed the limit as set by SBP from time to time.<\/li>\n<li>Residing in the house\/ ownership of the house (if the property has been given on rent)\u00a0for at least 1 year<\/li>\n<li>Salaried individuals must be working with the current employer for at least 2 years<\/li>\n<li>2 years business experience<\/li>\n<li>NADRA CNIC\/ SNIC holder<\/li>\n<\/ul>\n<h4>Tenure<\/h4>\n<p>6-120\u00a0Months<\/p>\n<h4>Repayment Options<\/h4>\n<ul>\n<li>Equal Monthly Installments<\/li>\n<\/ul>\n<h4>Collateral<\/h4>\n<h4><strong>FOR PROPERTIES HAVING CLEAR TITLE<\/strong><\/h4>\n<p>Loan amount up to PKR 500,000<\/p>\n<ul>\n<li>\u00a0 \u00a0 Proof of Residence (copy of ownership documents given as annexure) will be attached with credit case. (Mandatory)<\/li>\n<li>\u00a0 \u00a0Guarantor- (applicable where salary\/pension not transferable).<\/li>\n<li>\u00a0 \u00a0Co-borrower (where applicable)<\/li>\n<li>\u00a0 \u00a0DP Note<\/li>\n<li>\u00a0 \u00a0Preferably Salary \/ Pension Account to be transferred to KMBL for salaried\/pensioners where possible.<\/li>\n<\/ul>\n<p>For Loans PKR. 100,000 up to PKR 2,000,000<\/p>\n<ul>\n<li>\u00a0 \u00a0 Equitable Mortgage OR Registered Mortgage<\/li>\n<li>\u00a0 \u00a0 In case of Equitable Mortgage, the original title document will be retained at branch and MODTD shall be issued. Verified photocopy of title document will be attached with credit case.<\/li>\n<li>\u00a0 \u00a0 Guarantor (Mandatory in case salary pension is not transferred to KMBL)<\/li>\n<li>\u00a0 \u00a0 Co-borrower (where applicable)<\/li>\n<\/ul>\n<p>For Loans PKR 2,000,001 up to PKR. 5,000,000:<\/p>\n<ul>\n<li>\u00a0 \u00a0 Registered Mortgage only.<\/li>\n<\/ul>\n<p>For Salaried\/ Pensioners transfer to KMBL Individual<\/p>\n<p>A.\u00a0\u00a0\u00a0\u00a0Loan amount up to PKR 03 Million: (Home Improvement &amp; Renovation Purpose):<\/p>\n<ul>\n<li>Salary \/ Pension Transfer to KMBL. (Mandatory)<\/li>\n<li>Proof of residence (bill or document, rent agreement or affidavit etc.) Mandatory<\/li>\n<li>Guarantor (as per recommendation of BCC)<\/li>\n<li>Co-borrower (where applicable)<\/li>\n<li>Co-Signer (where applicable)<\/li>\n<\/ul>\n<p>B.\u00a0Loan amount from 03 Million to PKR 05 Million: (Home Improvement &amp; Renovation Purpose):<\/p>\n<ul>\n<li>Salary \/ Pension Transfer to KMBL. (Mandatory)<\/li>\n<li>Equitable mortgage: The original title document will be retained at branch and MODTD shall be issued.<\/li>\n<li>Photocopy of title document &amp; MODTD will be attached with credit case. Mandatory<\/li>\n<li>Co-borrower (where applicable)<\/li>\n<li>Co-Signer (where applicable)<\/li>\n<\/ul>\n<h4>Loan Ticket\u00a0 (minimum &amp; maximum)<\/h4>\n<p>PKR 50,000 to PKR 5,000,000<\/p>\n<h4>Service charges<\/h4>\n<p>As per SOC, for more information please contact on our helpline 051 111 047 047<\/p>\n<p><em>*Terms and conditions apply<\/em>[\/gva_block_heading][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column css_animation=&#8221;fadeInUp&#8221;][gva_block_heading title=&#8221;Khushhali Apna Makaan&#8221; icon=&#8221;gv-icon-65&#8243; align=&#8221;align-left&#8221; subtitle=&#8221;Loan&#8221;] Product Type Individual Micro-housing\u00a0Loan Product Purpose Loan for New construction and\u00a0Structural Changes or Renovation\u00a0in the existing house. Loan Eligibility Criteria Minimum age to avail the loan: 20 years. Maximum age at limit maturity. For Salaried Individuals: 60 Years. For Self-employed Individuals: 68 years. For Pensioner individuals: 70 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"give_campaign_id":0,"footnotes":""},"class_list":["post-8053","page","type-page","status-publish","hentry"],"campaignId":"","_links":{"self":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/8053","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8053"}],"version-history":[{"count":2,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/8053\/revisions"}],"predecessor-version":[{"id":8055,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/8053\/revisions\/8055"}],"wp:attachment":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}