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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)

      • 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 Pricing
Segment A (Corporate Arrangement) Minimum 1 YK + 1.75%
Maximum 1 YK + 3%
Segment B (Salaried Individuals) 1 YK + 3% (salary being routed through ABL)
1 YK + 3.5% (salary being routed through other bank)
Segment C (Self-Employed Individuals) 1 YK + 3% (relationship with ABL)
1 YK + 4% (relationship with other banks)
Segment D (Affluent Individuals) Minimum 1 YK + 1.75%
Maximum 1 YK + 3%

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