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Home Loan — Eligibility, Documents and What to Check

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Banks and financial institutions provide home loans for buying or constructing a flat/house. Interest rate, down payment, tenure and processing fee vary by institution — compare a few.

What is usually needed

  • NID, photo, TIN and proof of income (salary certificate/business papers)
  • Bank statement
  • Property deed, mutation, approved plan and developer's agreement

What to compare

  • Interest rate (fixed or variable)
  • Down payment and maximum loan amount
  • Prepayment charges
  • Processing fee and insurance

Rules, costs and taxes change from time to time and vary by area — before making a final decision, confirm with the relevant office, bank or lawyer.

NagorikSheba is an independent information platform, not a government website. Rules, fees and dates change — always confirm on the official source. We never ask for your passwords or OTPs.