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Khushhali Apna Makaan Subsidized Banner

Product Name

Khushhali Apna Makaan-Subsidized

Product Type

Individual Low-Cost Housing Loan under Govt. of Pakistan’s Markup Subsidy Scheme 

Product Purpose

a-       Financing for purchase of Constructed House

b-       Financing for purchase of Flat

c-       Financing for purchase of Land and subsequent construction

d-       For construction of house on customer owned land

e-       Extension/Expansion in customer owned house

Loan Eligibility Criteria

1.       All Pakistani men/women holding a valid CNIC

2.       Must be 25 - 65 years old at the time of applying for loan.

3.       First time home owner (does not own any constructed house) with submission of undertaking
          as per Khushhali Apna Makaan process and procedures document annexures.

4.       One individual can have subsidized house loan facility under this scheme only once

5.       Exclusions as applicable per Bank’s Credit policy


Minimum: 5 years

Maximum: 20 years

Repayment Options

  • Equal Monthly Installments


In line with SBP instructions regarding GMSS, housing unit financed will be mortgaged in favour of KMBL.

Loan Ticket  (minimum & maximum)

PKR 250,000 to PKR 2,000,000

Service charges

  • 5% for first 5 years
  • 7% for next 5 years
  • KIBOR+7% for next 10 years

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