Saadiq Home Finance Features

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Buy a new home at competitive pricing.

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Plan renovation/extension to your home by availing enhancement on existing Saadiq Home Finance.

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Avail financing against your home for renovation or extension purposes.

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Transfer you existing home finance at another bank to Saadiq Home Finance.

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Both hybrid and floating pricing options.

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Non-Resident Pakistanis (NRP) residing in Saudi Arabia, UAE, Qatar, Malaysia, Singapore, and Bahrain can avail Saadiq Home Finance facility by simply applying through our digital form. To apply, click here. *Terms & conditions and regulatory guidelines will apply

time flexible tenure

Up to 25 years financing tenor.

Home Finance

Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Homer Finance is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final rental rate in accordance with applicable laws and amount that can be financed.

House ValuePlease enter an amount between BWP 100,000 and BWP 5,000,000

      Please enter a duration between 1 year and 25 years only.

      Bank Share

      Financing Years


      Please enter a duration between 3 years and 6 years only.

      Finance Amount Takaful Payment Monthly Payment
      1,400,000 50 13,975
      Total Monthly Payment 14,025
      rental rate 11.04%

      Application Eligibility

      • Nationality: Pakistani & Non-Resident Pakistanis residing in Singapore, Malaysia, Dubai, Bahrain
      • Cities: Karachi, Lahore, Islamabad/Rawalpindi
      • Age: 25 Years to 60 Years (Salaried) & 65 Years (Self-Employed)
      • Income: PKR 50,000 (Salaried), PKR 75,000 (Self Employed)

      Documents Required

      • Copy of Valid CNIC
      • Salary Slip/ Bank Statement
      • Employment Letter

      You can avail home financing in selected areas within Karachi, Lahore and Islamabad/Rawalpindi cities.

      SCB is currently not financing under construction properties. Customer has the option to purchase a house, get financing against his existing property or transfer his outstanding home financing facility from another bank (BTF).

      NRPs of Malaysia, Singapore, UAE and Bahrain are eligible to apply for Saadiq Home Finance Facility. Financing can be serviced via NRP account or through Roshan Digital Account (Islamic/Conventional).

      Proceeds from the sale of the financed property can not be repatriated.

      It takes 21 – 25 working days from customer application to disbursement, given that all documentation is in order.

      Customer can qualify for a minimum of PKR 2 Mn to maximum of PKR 55 Mn for home purchase facility, from PKR 0.5Mn up to PKR 15 Mn or 40% of the property value whichever is lower for home credit facility and from PKR 0.5Mn up to PKR15 Mn or 40% of the property value whichever is lower for enhancement.

      Customer will be levied a late payment penalty. This penalty will be paid in charity by the Bank as per Islamic Banking principles.

      Late payment penalty will be levied as per the prevailing Schedule of Charges. This penalty will be paid in charity by the Bank as per Islamic Banking principles with the instructions of Shariah Board.

      Yes. Following partial purchase price will apply:

      1st year 5.5% of the payment amount
      2nd year 4.5% of the payment amount
      3rd year and more 3.5% of the payment amount


      Following early purchase price will apply:

      1st year 5.5% of the outstanding amount
      2nd year 4.5% of the outstanding amount
      3rd year and more 3.5% of the outstanding amount


      The Takaful rate charged to the customer is 0.030% per annum of the financing amount and it is communicated via the sales representative to the customer. Customer also signs a Takaful policy which has the applicable rate mentioned.

      Saadiq Home Finance has a fixed rate for the first 3 years and a floating rate subsequently.Saadiq Home Finance has a fixed rate for the first 3 years and a floating rate subsequently.

      The underlying Islamic mode of this housing program is Diminishing Musharaka. Diminishing Musharakah (Shirkat ul Milk) is a form of co-ownership in which Bank and customer will share in the joint ownership of a tangible asset (e.g. house) in an agreed proportion. It is agreed that one of the co-owners (customer) will purchase, in periodic instalments, the share of the other co-owner (Bank) until the ownership of that tangible asset is completely transferred to the purchasing co-owner (customer). Furthermore, along with the purchase of share, the co-owner (customer) will also make agreed periodic payments (rent) for the usage of other co-owner’s share (Bank) in the asset, till ownership of the asset is completely transferred to the customer.

      Saadiq Home Finance A Shariah Compliant Home Financing solution.


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