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You may be eligible for Allied Aitebar Home Musharakah if you meet the following requirements:

General Requirements

  • Must be a Pakistani national.

  • Age between 25 and 57 years.

For Salaried Individuals

  • Minimum six (06) months’ banking relationship with Allied Bank and/or any other bank.

  • Minimum net monthly salary: PKR 50,000

For Self-Employed Business Persons / Professionals

  • Minimum one (01) year relationship with ABL or two (02) years with another bank.

  • Business/profession must be operational for:

    • At least two (02) years (if banking with ABL), or

    • At least three (03) years (if banking with another bank).

  • Minimum net monthly income:

    • PKR 75,000 with ABL relationship

    • PKR 100,000 with other bank relationship

  • Financing amount of up to PKR 75 million

  • Flexible tenure options: 3 to 25 years

  • Easy and efficient processing

  • Free Life Takaful coverage

  • Asset transfer facility available

  • Offered in: Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, and Multan

To apply for Allied Aitebar Home Musharakah, you will need to submit the following documents:

  • CNIC / Smart NIC (copy)

  • Proof of income

  • Last six (06) months’ bank statement (ABL or other bank)

  • Completed and signed application form

  • Additional documents may be required based on case evaluation

Allied Aitebar Islamic Banking supports low-cost housing under the SBP Refinance Scheme in line with IH&SMEFD Circular No. 6 of 2019 (as amended).

Eligible Individuals

  • Widows

  • Children of martyrs (law enforcement agencies, armed forces, or civilians martyred in terrorist attacks)

  • Special persons (holding CNIC with disability symbol)

  • Transgender individuals

Financing Details

  • Maximum financing: PKR 3.15 million

  • Minimum net verifiable income: PKR 30,000

  • Financing tenure: Up to 12.5 years, including a 6-month grace period (or as advised by SBP)

Pricing:

Client  Segment A

(Corporate Arrangement)

Segment B

(Salaried Individuals)

Segment C

(Self-Employed Individuals)

Segment D

(Affluent Individuals)

Minimum 1 YK + 1.75 %

Maximum 1 YK + 3 %

1 YK + 3% (salary being routed through ABL)

1 YK + 3.5% (salary being routed through other bank)

 

1 YK + 3% (relationship with ABL)

1YK +4% (relationship with other banks)

Minimum 1 YK + 1.75 %

Maximum 1 YK + 3 %


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