Agriculture
Manufacturing
HBL Business Finance
Habib Bank Limited (HBL)
Karachi
Updated Jun 02, 2026
Purchase / Construction / Renovation of Building
Guarantee/LC
Payment of Labour & other expenses
Payment to Suppliers
Purchase of Machinery and Equipment
Purchase of Raw Material
Eligibility Criteria
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25 to 65 years of age.
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The sponsor/mortgagor/borrower/ must be resident Pakistanis.
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A business in operation for at least 3 years.
Documents Required
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Complete application form
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Copy of valid CNIC.
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Copies of last 3 years Income Tax returns filed in the business name, if applicable.
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Copies of last 3 years Income Tax and Wealth Tax returns / statements filed for partners/ proprietor/ directors, if applicable.
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Copy of Title documents (Sale Deeds, Transfer Letter, etc.) and other supporting documents of property offered to the bank as security.
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Copy of latest payment receipt for Property Tax and duties, levies paid in respect of the property offered to the bank as security, if applicable.
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Copy of current professional association / trade body membership, if applicable.
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Rent Agreement of business place (if premises on rent).
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Two recent Passport size Photographs of the partners / proprietor.
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Your last paid utility bill and business data.
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A certified copy of your bank statement for the last 2 years.
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A proprietorship letter or partnership deed or latest form 29 or search report as applicable.
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Evaluation of collateral and legal vetting of property documents.
Collateral
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Equitable mortgage of residential / commercial / industrial properties.
Financial Specs
Max Amount
PKR 25.0M
Markup Rate
As per schedule of charges,
Tenure
RF-On Demand, DF up to 5 years, Finance Against Trust Receipt up to 120 days, LG up to 3 years & LC up to 120 days.
Processing Fee
As per bank policy
Dedicated Bank Representative
Contact the authorized representative for this product to get personalized guidance and fast-track your application.
Minimum Loan Amount
PKR 500k