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JS Ghar Apna Home Finance

Home - Purchase Home - Construction Home - Renovation BTF
Pricing – Interest Rate

SEB 1 Year KIBOR + 425 bps (revised every 1st - Jan)

SEP 1 Year KIBOR + 425bps

Unknown SAL 1 Year KIBOR + 350bps

NRP 1 Year KIBOR + 425bps

CCMSAL 1 Year KIBOR + 300bpsin

Employee Banking Clients 1 Year KIBOR + 300bps 

 BTF Enhancement BTF – Variable Rate: Upto 100 bps less than the existing relationship but not lower than 1 Year KIBOR + 300bps.
Loan Amount Minimum 500k
Maximum 75 Mn		 Minimum 500k
Maximum 50 Mn		 Minimum 500k
Maximum 10 Mn
*Renovation - 20 Million on houses of =>1000sq/yd in major cities (K,L,I) 		-
Loan to Value – LTV 80% 75% 40% 75%
Tenure Minimum 1 year
Maximum 25 years		 Minimum 1 year
Maximum 25 years 		 Minimum 1 year 
Maximum
10 years for renovation cases up to 10 million.
20 years for renovation cases up to 20 million.		 Minimum 1 year
Maximum 25 years 

  1. Home Purchase.
  2. Home Construction.
  3. Home Renovation.
  4. BTF.

  • Self Employed Professions
  • Self Employed Businessmen
  • Salaried
  • BTF Customers
  • NRP Salaried customers
  • Rental Income Cases
  • Foreign Remittance Cases 
  • Agriculturist 
  • Fixed Income (Saving Certificates, TDR, pay cont. plan)

  • All customers must fulfill the following requirements to be eligible for a Home finance.
  • Must have a Computerized National Identity Card/NICOP.
  • Must be a resident of Pakistan/Non Resident Pakistani.
  • In addition to existing requirements, customers thumb impression(s) along with the borrower’s signature(s) on financing and recourse documents are required.
  • No finance transaction will be approved with more than 3 deviations. 
  • The appraisers on the approved panel will appraise property/land value. It will be at the appraiser’s discretion to judge the value of property/land.

Salaried Business
1-Clear CNIC copy of Applicant & Co-Applicant.
2- Two fresh Passport size Recent Photographs.
3- Current paid Utility bills (Home & Office).
4- Last 6 months salary slips Original or attested by HRD.
5- Salary Certificate Mentioning Name, CNIC #, Date of joining Permanent job Status & Gross Salary.
6- Last 12 Month Bank Statement (Up to Date).		 1-Proprietorship Letter/Account Certificate Mentioning Name, CNIC#, Date 0f Ac Opening.
2- Partnership Deed (In case of partner).
3-Last Two year income Tax returns with NBP Receipts & NTN Certificate.
4- Professional Degree (For Self Employed Professionals only).
5- Article of Memorandum, Form A & Form-29 (last 3 years) SECP Attested (Incase Pvt Ltd).
6- JS BANK Application form, CF 1 Undertaking duly signed and summary Box.

Associated Charges

  1. Processing Fees Rs. 1,500 + FED (With Application Form - non-refundable) Rs. 13,500 + FED (paid at stage 2). 
  2. Legal Documents At Actual.
  3. Appraisal Charges At Actual. 
  4. Legal Opinion At Actual.
  5. Prepayment Charges - BTF to Other Banks 6% of the outstanding principal.

Payment Charges - Full Settlement

  1. 1st Year 6% of the outstanding principal. 
  2. 2nd Year 5% of the outstanding principal.
  3. 3rd Year 4% of the outstanding principal. 
  4. 4th Year 3% of the outstanding principal.
  5. 5th Year 2% of the outstanding principal.
  6. 6th Year Onwards 1% of the outstanding principal 7th Year Onwards NIL.

Income Estimation At Actual 

  1. Late Payment Fee Rs. 1,700/- per instance. 
  2. Cheque Return Charges Rs. 1,200/- per returned cheque. 
  3. Cash/Cheque Collection Charges Cash Pickup : Rs. 2,000/- and Cheque Pickup Rs.1,000/- Chartered accountant charges for liability establishment for Sec 15 At Actual (Maximum Rs. 250,000/- per instance).
  4. Balloon Payment/Partial Settlement, Once in a Year (Max 25% Outstanding amount).
  5. AIP (Approval In Principal) / Offer Letter Reissuance 1st Year 4.25% and thereafter 3.5% of the payment 50% applicable Processing Fees (as per customer segment) will be charged at the time of regular facility processing.