NBP Saibaan Home Finance Turn Your Dream Home into Reality

Home ownership represents a global goal for millions of Pakistani citizens. Many Pakistanis face challenges in purchasing a home as property prices and inflation rates continue to rise. NBP Saiban Home Finance Program is here to serve Pakistani home buyers. Under this home financing scheme, Pakistani dreamers can access a fixed mark-up rate of 12.49% for the purchase of their property for up to two years. NBP has transformed home financing into an accessible solution through three flexible financing objectives that cover the construction of a brand new home as well as the purchase of a home or renovation of a residential property.

Why Choose NBP Saibaan Home Finance?

Sharia-Compliant Financing

NBP operates under the principles of Islamic finance, ensuring that all transactions are interest-free (ruba-free). Instead of charging interest, the bank uses diminishing musharakah, a partnership-based model where the bank and the customer jointly own the property, and the customer gradually buys out the bank’s share.

Flexible Financing Options

Whether you want to:
Buy a new house.
Construct a home.
Renovate an existing property.
Purchase a plot for construction.

NBP Saibaan provides tailored financing solutions to meet your needs.

Competitive Profit Rates

Compared to conventional home loans, NBP Saibaan offers affordable and transparent profit rates, making homeownership more accessible.

Long Tenure & Easy Repayment

With a repayment period of up to 20 years, you can choose a comfortable installment plan that fits your budget.

Minimal Documentation & Quick Processing

NBP ensures a smooth and efficient application process with minimal paperwork, helping you secure financing faster.

Eligibility Criteria for NBP Saibaan Home Finance

To qualify for NBP Saibaan Home Finance, applicants must meet the following criteria:

Salaried Individuals:

Minimum monthly income: PKR 50,000
Employment stability (at least 2 years of service)

Self-Employed Professionals/Businessmen:

Minimum annual income: PKR 1,200,000
Business stability (at least 3 years in operation)

Age Limit: 25–65 years (at the time of loan maturity)

Property Requirements:

Located in approved residential areas
Proper legal documentation

Loan Features at a Glance

Feature	detail
Loan Amount	Up to Rs. 35 million
Repayment Tenure	Up to 20 years
Fixed Markup	12.49% for 2 years
Down payment	As low as 15%
Financing Type	Buy, Build, Renovate

Application Process for NBP Saibaan Home Finance

Visit NBP Branch or Website
Start your journey at your nearest NBP branch or through www.nbp.com.pk.

Consultation & Pre-Approval
Get an estimate of your borrowing power and repayment terms.

Submit Documents
CNIC, income proof, property documents, and photographs.

Property Valuation & Legal Check
NBP ensures the property is legally and structurally sound.

Final Approval & Disbursement
Funds are released directly to the seller, builder, or renovation contractor.

Common Use Cases for NBP Saibaan Home Finance

Buying a family home in a gated society
Renovating an inherited property
Building a house on newly acquired land
Adding an extra floor or extension for growing families

FAQ For NBP Saibaan Home Finance

Yes, it operates on Diminishing Musharakah, an Islamic financing model, ensuring Riba-free transactions.

While there is no fixed amount, applicants must show a stable monthly income that supports repayment.

Yes, they are encouraged to apply through NBP’s Roshan Digital Account.

The process typically takes 2–4 weeks, subject to document verification and property evaluation.

Conclusion

NBP Saiban Home Finance is a great option for Pakistanis who want to own, build or renovate their homes without compromising Islamic principles. With affordable interest rates, flexible payment terms, and a seamless process, it is a reliable way to turn your dream home into a reality. If you are ready to take the next step, visit your nearest NBP branch today and find the best home finance solution tailored for you.

NBP Saibaan Home Finance : Unlock Your Dream Home !