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Simple and easy documentation
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No hidden costs
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Flexible payment tenures ranging from 1 year to 7 years
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Monthly installment-based repayment
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Personal Equity Contribution: Minimum 30%, Maximum 80%
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Financing amount: From PKR 200,000 to PKR 3,000,000
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Currently available in selected cities:
Karachi, Lahore, Rawalpindi / Islamabad, Gujranwala, Sialkot, Multan, Hyderabad, and Faisalabad
Salaried Individuals
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Permanent employment status
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Minimum 2 years of employment
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Minimum net monthly salary: PKR 50,000
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Minimum 6-month banking relationship with ABL or any other bank
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Six salary credits in the last 6 months (ABL or other bank)
Self-Employed Individuals
With Relationship at ABL
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Maintaining a depository relationship with ABL for at least 1 year
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Minimum 2 years in business/profession
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Minimum net monthly income: PKR 75,000
With Relationship at Other Banks
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Depository relationship with any other bank for at least 2 years
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Minimum 3 years in business/profession
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Minimum net monthly income: PKR 100,000
Affluent Individuals (Salaried or Self-Employed)
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Average balance of PKR 500,000 maintained with ABL over the last year
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Must provide verifiable proof of income
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Required to meet minimum income and other eligibility criteria
Employees under Corporate Arrangement
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Salaried individuals working as permanent or direct contract employees (excluding third-party contracts)
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Minimum 2 years of continuous employment
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Minimum net monthly salary: PKR 40,000
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6% under SBP refinance scheme (as long as refinance is available)
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If SBP refinance is unavailable, 1Y KIBOR + 2% will apply