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  • Simple and easy documentation

  • No hidden costs

  • Flexible payment tenures ranging from 1 year to 7 years

  • Monthly installment-based repayment

  • Personal Equity Contribution: Minimum 30%, Maximum 80%

  • Financing amount: From PKR 200,000 to PKR 3,000,000

  • Currently available in selected cities:
    Karachi, Lahore, Rawalpindi / Islamabad, Gujranwala, Sialkot, Multan, Hyderabad, and Faisalabad

Salaried Individuals

  • Permanent employment status

  • Minimum 2 years of employment

  • Minimum net monthly salary: PKR 50,000

  • Minimum 6-month banking relationship with ABL or any other bank

  • Six salary credits in the last 6 months (ABL or other bank)

Self-Employed Individuals

With Relationship at ABL

  • Maintaining a depository relationship with ABL for at least 1 year

  • Minimum 2 years in business/profession

  • Minimum net monthly income: PKR 75,000

With Relationship at Other Banks

  • Depository relationship with any other bank for at least 2 years

  • Minimum 3 years in business/profession

  • Minimum net monthly income: PKR 100,000

Affluent Individuals (Salaried or Self-Employed)

  • Average balance of PKR 500,000 maintained with ABL over the last year

  • Must provide verifiable proof of income

  • Required to meet minimum income and other eligibility criteria

Employees under Corporate Arrangement

  • Salaried individuals working as permanent or direct contract employees (excluding third-party contracts)

  • Minimum 2 years of continuous employment

  • Minimum net monthly salary: PKR 40,000

  • 6% under SBP refinance scheme (as long as refinance is available)

  • If SBP refinance is unavailable, 1Y KIBOR + 2% will apply

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