{"id":116,"date":"2017-03-28T13:48:03","date_gmt":"2017-03-28T08:48:03","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=116"},"modified":"2026-03-18T12:18:12","modified_gmt":"2026-03-18T07:18:12","slug":"home-construction","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/muskun-home-financing\/home-construction\/","title":{"rendered":"\u062a\u0639\u0645\u06cc\u0631"},"content":{"rendered":"<section id=\"bt_bb_section6a28478f81a83\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\"  data-bt-override-class=\"null\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div  class=\"bt_bb_column col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_small\" data-bt-override-class=\"null\"><\/div><div class=\"bt_bb_accordion bt_bb_style_outline bt_bb_shape_square\"><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\nDo you Dream of providing your loved ones a home of their own but don&#8217;t have the funds?<\/p>\n<p>Don&#8217;t stop dreaming, Let us make your Dream a Reality with BankIslami MUSKUN Home financing where you can avail financing for any of the following facilities:<\/p>\n<p>So you want to build your Dream home rather than buy a ready made one? You make the design, we&#8221;ll help you build it.<\/p>\n<table id=\"tablepress-9\" class=\"tablepress tablepress-id-9\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\">\u062a\u0639\u0645\u06cc\u0631 \u06a9\u06cc \u0645\u062f\u062a\t<\/td>\n<td class=\"column-2\">\u0632\u06cc\u0627\u062f\u06c1 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 2 \u0633\u0627\u0644\n<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0645\u062f\u062a\t<\/td>\n<td class=\"column-2\">\u06a9\u0645 \u0627\u0632 \u06a9\u0645 2 \u0633\u0627\u0644 ( \u062a\u0639\u0645\u06cc\u0631\u0627\u062a\u06cc \u0639\u0631\u0635\u06d2 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1)\u00a0<br \/>\nMaximum 25 Years (excluding construction period)<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f\t<\/td>\n<td class=\"column-2\">2\u0644\u0627\u06a9\u06be \u0631\u0648\u067e\u06d2 \u0633\u06d2 15 \u06a9\u0631\u0648\u0691 \u0631\u0648\u067e\u06d2\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">\u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc\t\n<\/td>\n<td class=\"column-2\">Maximum up to 75% for salaried<br \/>\nMaximum up to 75% for SEP *<br \/>\n\u062a\u0646\u0627\u0633\u0628\t( \u0688\u0627\u06a9\u0679\u0631\u0632\u060c \u0627\u0646\u062c\u06cc\u0646\u0626\u0631\u0632\u060c \u0622\u0631\u06a9\u06cc\u0679\u06cc\u06a9\u0679\u0686\u0631\u0632\u060c \u0686\u0627\u0631\u0679\u0631\u0688 \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u0679\u0633)<\/p>\n<p>Maximum up to 75% for Business persons\/NRPs<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">\u067e\u0631\u06cc \u067e\u06cc\u0645\u0646\u0679 \u06a9\u0627\u0622\u067e\u0634\u0646 \u062f\u0633\u062a\u06cc\u0627\u0628 \u06c1\u06d2\t<\/td>\n<td class=\"column-2\">5% if the Facility is settled in the 1st Year<\/p>\n<p>NIL if the Facility is settled after the 1st Year<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-9 from cache --><\/p>\n<p>\u0645\u0633\u06a9\u0646 \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0645\u0634\u0627\u0631\u06a9\u06c1 \u0627\u0648\u0631 \u0627\u062c\u0627\u0631\u06c1 \u06a9\u06d2 \u0627\u0635\u0648\u0644 \u067e\u0631 \u0645\u0628\u0646\u06cc \u06c1\u06d2\u06d4 \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0645\u0634\u0627\u0631\u06a9\u06c1 \u0679\u0631\u0627\u0646\u0632\u06cc\u06a9\u0634\u0646 \u0634\u0631\u06a9\u062a \u0627\u0644\u0645\u0644\u06a9 \u067e\u0631\u0645\u0628\u0646\u06cc \u06c1\u06d2 \u062c\u06c1\u0627\u06ba \u0622\u067e \u0627\u0648\u0631 \u0628\u06cc\u0646\u06a9 \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u0645\u0644\u06a9\u06cc\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u0634\u0631\u06cc\u06a9 \u06c1\u0648\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0627\u0633 \u06a9\u06d2 \u0628\u0639\u062f \u0622\u067e \u06a9\u0648 \u0627\u062c\u0627\u0631\u06c1 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f \u067e\u0631 \u0628\u06cc\u0646\u06a9 \u06a9\u0627 \u0634\u06cc\u0626\u0631 \u0644\u06cc\u0632 \u06a9\u0631 \u062f\u06cc\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2 \u0627\u0648\u0631 \u0627\u0633\u06d2 \u06a9\u0626\u06cc \u06cc\u0648\u0646\u0679\u0633 \u0645\u06cc\u06ba \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0631 \u062f\u06cc\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2\u06d4 \u0627\u0633 \u06a9\u06d2 \u0628\u0639\u062f \u0627\u0633 \u0628\u0627\u062a \u067e\u0631 \u0627\u062a\u0641\u0627\u0642 \u06a9\u06cc\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2 \u06a9\u06c1 \u0622\u067e \u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u06cc\u0648\u0646\u0679\u0633 \u0648\u0642\u0641\u06d2 \u0648\u0642\u0641\u06d2 \u0633\u06d2 \u062e\u0631\u06cc\u062f\u062a\u06d2 \u0631\u06c1\u06cc\u06ba \u06af\u06d2\u060c \u0627\u0633 \u0637\u0631\u062d \u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u062a\u0645\u0627\u0645 \u06cc\u0648\u0646\u0679\u0633 \u06a9\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u062a\u06a9 \u0622\u067e \u06a9\u0627 \u0627\u067e\u0646\u0627 \u0634\u06cc\u0626\u0631 \u0628\u0691\u06be\u062a\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u062c\u0633 \u06a9\u06d2 \u0628\u0639\u062f \u0622\u067e \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06d2 \u0648\u0627\u062d\u062f \u0645\u0627\u0644\u06a9 \u0628\u0646 \u062c\u0627\u0626\u06cc\u06ba \u06af\u06d2\u06d4\u0627\u0633 \u0648\u0642\u062a \u062a\u06a9 \u060c\u0622\u067e \u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u0644\u06cc\u0632 \u06a9\u0626\u06d2 \u06af\u0626\u06d2 \u06cc\u0648\u0646\u0679\u0633 \u06a9\u0627\u06a9\u0631\u0627\u06cc\u06c1 \u062f\u06cc\u062a\u06d2 \u0631\u06c1\u06cc\u06ba \u06af\u06d2\u06d4\u062c\u06cc\u0633\u06d2 \u062c\u06cc\u0633\u06d2 \u062c\u0627\u0626\u06cc\u062f\u0627\u062f\u0645\u06cc\u06ba \u0622\u067e \u06a9\u06cc \u0645\u0644\u06a9\u06cc\u062a \u06a9\u0627 \u062d\u0635\u06c1 \u0628\u0691\u06be\u062a\u0627 \u0627\u0648\u0631 \u0628\u06cc\u0646\u06a9 \u06a9\u0627 \u062d\u0635\u06c1 \u06a9\u0645 \u06c1\u0648\u062a\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u060c \u0627\u0646 \u06cc\u0648\u0646\u0679\u0633 \u06a9\u0627 \u06a9\u0631\u0627\u06cc\u06c1 \u0628\u06be\u06cc \u06a9\u0645 \u06c1\u0648\u062a\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u06d4<\/p>\n<p><strong>\u0641\u0648\u0627\u0626\u062f:<\/strong><br \/>\n\u0641\u0648\u0631\u06cc \u067e\u0631\u0648\u0633\u06cc\u0633\u0633\u0646\u06af<br \/>\n\u0622\u0633\u0627\u0646 \u0627\u0648\u0631 \u0642\u0627\u0628\u0644 \u0628\u0631\u062f\u0627\u0634\u062a \u0627\u0642\u0633\u0627\u0637<br \/>\nFlexible &amp; affordable installments<br \/>\n\u062e\u0627\u0646\u062f\u0627\u0646 \u06a9\u06cc \u0622\u0645\u062f\u0646 \u06a9\u06cc \u06a9\u0644\u0628\u0646\u06af<br \/>\nNo negative area<\/p>\n<p>To Understand the Difference between Diminishing Musharakah and Conventional Long Term Financing kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click the link<\/a><\/span><\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">How It Works?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<ul>\n<li>You will approach BankIslami and inform about your needs of financing for Home Purchase, Construction, Renovation or Balance transfer facility.<\/li>\n<li>\u0627\u0633 \u06a9\u06d2 \u0628\u0639\u062f \u0622\u067e \u067e\u0631 \u0634\u062f\u06c1 \u0641\u0627\u0631\u0645 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u062f\u0631\u06a9\u0627\u0631 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a \u0627\u0648\u0631 \u067e\u0631\u0648\u0633\u0633\u06cc\u0633\u0646\u06af \u0641\u06cc\u0633 \u06a9\u0627 \u0686\u06cc\u06a9 \u0645\u0646\u0633\u0644\u06a9 \u06a9\u0631 \u06a9\u06d2 \u0628\u06cc\u0646\u06a9 \u0645\u06cc\u06ba \u062c\u0645\u0639 \u06a9\u0631\u0627\u0626\u06cc\u06ba\u06d4 \u06c1\u0645\u0627\u0631\u0627 \u0628\u0632\u0646\u0633 \u0627\u06cc\u06af\u0632\u06cc\u06a9\u0679\u0648 \u067e\u0648\u0631\u06d2 \u0645\u0631\u062d\u0644\u06d2 \u0645\u06cc\u06ba \u0622\u067e \u06a9\u06cc \u0631\u06c1\u0646\u0645\u0627\u0626\u06cc \u06a9\u0631\u06d2 \u06af\u0627\u06d4<\/li>\n<li>The Bank will conduct verification of your residence &amp; office addresses as well as those of the references provided by you.<\/li>\n<li>The Bank will then conduct your Income estimation to determine the maximum financing that can be provided to you.<\/li>\n<\/ul>\n<ol>\n<li>In case you are Self Employed, our agent will approach you for the necessary income details and documents.<\/li>\n<li>In case you are Salaried, we will approach your employer for this purpose.<\/li>\n<\/ol>\n<ul>\n<li>A legal opinion is then obtained by the Bank on the property documents submitted by you. Valuation of the property is done to determine its Market value.<\/li>\n<li>The Bank then issues you an offer letter for the financing amount you qualified for based on your evaluation.<\/li>\n<li>\u0622\u067e \u06a9\u06cc \u0645\u0646\u0638\u0648\u0631\u06cc \u06a9\u06d2 \u0628\u0639\u062f\u060c \u0628\u06cc\u0646\u06a9 \u0627\u0648\u0631 \u0622\u067e \u06a9\u06d2 \u062f\u0631\u0645\u06cc\u0627\u0646 \u0634\u0631\u06a9\u062a \u0627\u0644\u0645\u0644\u06a9 ( \u0645\u0634\u0627\u0631\u06a9\u06c1) \u0645\u0639\u0627\u06c1\u062f\u06d2 \u067e\u0631 \u062f\u0633\u062a\u062e\u0637 \u06a9\u0626\u06d2 \u062c\u0627\u0626\u06cc\u06ba \u06af\u06d2 \u062c\u06c1\u0627\u06ba \u0628\u06cc\u0646\u06a9 \u0627\u0648\u0631 \u0622\u067e \u0645\u0634\u0627\u0631\u06a9\u06c1 \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u0645\u06cc\u06ba \u0645\u0634\u062a\u0631\u06a9\u06c1 \u0645\u0627\u0644\u06a9 ( \u0634\u0631\u0627\u06a9\u062a \u062f\u0627\u0631) \u06c1\u0648\u06ba \u06af\u06d2\u06d4<\/li>\n<li>A Pay Order is issued in the name of the seller in case of <u>MUSKUN<\/u> Home purchase by the bank. Your Business Executive and our in house \/ <u>Externa<\/u><u>l<\/u> lawyer will accompany you for the transfer of property in your name. The Pay Order is then handed over to the seller. In case of MUSKUN Home Construction \/ Renovation \/ Replacement <u>c<\/u>ases, the financing amount is simply credited to your account. It is ensured through Shariah-compliance checks that the funds are utilized only for construction\/renovation\/replacement.<\/li>\n<li>You and the Bank also execute a Monthly Payment Agreement whereby you agree to pay a monthly payment to the Bank for the use of the bank\u2019s ownership in home.<\/li>\n<li>Undertaking to Purchase is given by you, under which you undertake to purchase the Musharakah Units (representing Bank\u2019s undivided ownership share in the property) from the Bank periodically.<\/li>\n<li>On monthly basis, you purchase Musharakah units from the Bank. When you have purchased all units of Bank, you become the sole owner with a free and clear title to your home.<\/li>\n<li>\u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u062a\u0645\u0627\u0645 \u06cc\u0648\u0646\u0679\u0633 \u06a9\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u06a9\u06d2 \u0628\u0639\u062f \u0622\u067e \u0622\u0632\u0627\u062f \u0627\u0648\u0631 \u0648\u0627\u0636\u062d \u0679\u0627\u0626\u0679\u0644 \u0633\u06d2 \u0627\u067e\u0646\u06d2 \u06af\u06be\u0631 \u06a9\u06d2 \u0648\u0627\u062d\u062f \u0645\u0627\u0644\u06a9 \u0628\u0646 \u062c\u0627\u0626\u06cc\u06ba \u06af\u06d2\u06d4<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0641\u062a\u0648\u06cc\u0670<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\nBankIslami&#8217;s commitment to Shariah is strict and absolute. Muskun Home financing products are approved and verified by our Shariah Board. To view our Shariah Board&#8217;s approval of Muskun Home Financing products, click on the following:<\/p>\n<div class=\"row\">\n<div class=\"col-md-12\">\n<h3><\/h3>\n<\/div>\n<\/div>\n<div class=\"col-md-3\">\n<div class=\"row pdf_box\">\n<p>\t\t\t\t\t\t<a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2017\/04\/MUSKUNPropertyPurchase-1.pdf\" target=\"_blank\"><\/p>\n<div class=\"col-md-12 col-sm-12 col-xs-12 nopadding\">\n<div class=\"pdf_img\">\n<p>\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/03\/PDFIcon-1.png\" \/><\/p>\n<div class=\"pdf_txt\">\n<p>\t\t\t\t\t\t\t\t\tMUSKUNPropertyPurchase<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t\t\t\t\t\t\t<\/a><\/p><\/div>\n<\/p><\/div>\n<div class=\"col-md-3\">\n<div class=\"row pdf_box\">\n<p>\t\t\t\t\t\t<a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2017\/04\/MUSKUNReplacement-1.pdf\" target=\"_blank\"><\/p>\n<div class=\"col-md-12 col-sm-12 col-xs-12 nopadding\">\n<div class=\"pdf_img\">\n<p>\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/03\/PDFIcon-1.png\" \/><\/p>\n<div class=\"pdf_txt\">\n<p>\t\t\t\t\t\t\t\t\tMUSKUNReplacement<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t\t\t\t\t\t\t<\/a><\/p><\/div>\n<\/p><\/div>\n<div class=\"col-md-3\">\n<div class=\"row pdf_box\">\n<p>\t\t\t\t\t\t<a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2017\/04\/MUSKUNPropertyConstructionRenovation-1.pdf\" target=\"_blank\"><\/p>\n<div class=\"col-md-12 col-sm-12 col-xs-12 nopadding\">\n<div class=\"pdf_img\">\n<p>\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/03\/PDFIcon-1.png\" \/><\/p>\n<div class=\"pdf_txt\">\n<p>\t\t\t\t\t\t\t\t\tMUSKUNPropertyConstructionRenovation<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t\t\t\t\t\t\t<\/a><\/p><\/div>\n<\/p><\/div>\n<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Application Forms<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"row\" id = \"2026\">\n<div class=\"col-md-12\">\n<h3 class=\"blue_year\">2026<\/h3>\n<\/div>\n<\/div>\n<div class=\"col-md-3\">\n<div class=\"row pdf_box\">\n<p>\t\t\t\t\t\t<a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/03\/Home-Finance-App.-Form-2026.pdf\" target=\"_blank\"><\/p>\n<div class=\"col-md-12 col-sm-12 col-xs-12 nopadding\">\n<div class=\"pdf_img\">\n<p>\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/03\/PDFIcon-1.png\" \/><\/p>\n<div class=\"pdf_txt\">\n<p>\t\t\t\t\t\t\t\t\tHome Finance &#8211; App. Form 2026<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t\t\t\t\t\t\t<\/a><\/p><\/div>\n<\/p><\/div>\n<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0627\u06c1\u0644\u06cc\u062a <\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\">\u0634\u06c1\u0631\u06cc\u062a<\/td>\n<td class=\"column-2\">\u067e\u0627\u06a9\u0633\u062a\u0627\u0646\u06cc<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">\u0634\u06c1\u0631<\/td>\n<td class=\"column-2\">All major cities where BankIslami Pakistan Limited Branch exist.\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0639\u0645\u0631 \u06a9\u06cc \u062d\u062f\t<\/td>\n<td class=\"column-2\">\u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1\/ \u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u0634\u062e\u0635\u06cc\u0627\u062a\/ \u0645\u0646\u062a\u062e\u0628 \u06a9\u0631\u062f\u06c1 \u067e\u0631\u0648\u0641\u06cc\u0634\u0646\u0644\u0632 <br \/>\nSalaried Primary Applicant: 25-60 Years<br \/>\nBusinessmen Primary Applicant: 25-65 Years<br \/>\n\u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u063121 \u0633\u06d2 70 \u0633\u0627\u0644<br \/>\nNRPs: Max 60 years old at the time of Maturity.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">\u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u06cc \u0645\u062f\u062a:\t<\/td>\n<td class=\"column-2\">\u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 \u06a9\u06d2 \u0644\u0626\u06d2<br \/>\n\u062d\u0627\u0644\u06cc\u06c1 \u0645\u0644\u0627\u0632\u0645\u062a \u0645\u06cc\u06ba \u06a9\u0645 \u0627\u0632 \u06a9\u0645 6 \u0645\u0627\u06c1 \u06a9\u0627 \u0639\u0631\u0635\u06c1 \u0627\u0648\u0631 \u0627\u0633\u06cc \u0646\u0648\u0639\u06cc\u062a \u06a9\u06cc \u0627\u0646\u0688\u0633\u0679\u0631\u06cc\/ \u0641\u06cc\u0644\u0688 \u0645\u06cc\u06ba \u0645\u0633\u0644\u0633\u0644 \u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u06272 \u0633\u0627\u0644 \u06a9\u0627 \u0639\u0631\u0635\u06c1<br \/>\n\u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u062d\u0636\u0631\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u06d2<br \/>\n\u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u0645\u06cc\u06ba3 \u0633\u0627\u0644 \u06a9\u0627 \u062a\u062c\u0631\u0628\u06c1<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">\u06a9\u0645 \u0627\u0632 \u06a9\u0645 \u062a\u0646\u062e\u0648\u0627\u06c1\t<\/td>\n<td class=\"column-2\">\u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 \u06a9\u06d2 \u0644\u0626\u06d2:60,000 \u0631\u0648\u067e\u06d2<br \/>\nNRPs: Rs. 80,000\/- (The respective foreign currency must be equivalent to this amount)<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">\u0627\u06cc\u0646 \u0622\u0631 \u067e\u06cc\u0632 \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0636\u0627\u0641\u06cc \u0627\u06c1\u0644\u06cc\u062a\t<\/td>\n<td class=\"column-2\">1. NRP \u06a9\u0627 \u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u062f\u06c1\u0646\u062f\u06c1 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0645\u06cc\u06ba \u0631\u06c1\u0627\u0626\u0634 \u067e\u0630\u06cc\u0631 \u06c1\u0648\u0646\u0627 \u0686\u0627\u06c1\u06cc\u06d2 \u062c\u0648 \u06a9\u06c1 NRP \u06a9\u06cc \u0637\u0631\u0641 \u0633\u06d2 \u0645\u062c\u0627\u0632 \u0646\u0645\u0627\u0626\u0646\u062f\u06c1 \u06c1\u0648 \u06af\u0627\u06d4<br \/>\n2. \u0635\u0631\u0641 \u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 NRP's \u0645\u0633\u06a9\u0646 \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u0633\u06d2 \u0645\u0633\u062a\u0641\u06cc\u062f \u06c1\u0648 \u0633\u06a9\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-8 from cache --><\/p>\n<p><strong>\u062f\u0631\u06a9\u0627\u0631 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a<\/strong><\/p>\n<p><strong>\u062c\u0646\u0631\u0644<\/strong><br \/>\n\u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 \u06a9\u06cc \u0646\u0642\u0648\u0644 ( \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631 \u0627\u0648\u0631 \u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631)<br \/>\n2 \u0639\u062f\u062f \u067e\u0627\u0633\u067e\u0648\u0631\u0679 \u0633\u0627\u0626\u0632 \u06a9\u06cc \u062a\u0635\u0627\u0648\u06cc\u0631 ( \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631 \u0627\u0648\u0631 \u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631)<br \/>\nCompletely filled Application form with Applicant&#8217;s Profile Report<br \/>\n\u06af\u0632\u0634\u062a\u06c1 6 \u0645\u0627\u06c1 \u06a9\u06d2 \u0628\u0644\u0648\u06ba \u06a9\u06cc \u0646\u0642\u0648\u0644<br \/>\n\u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a<br \/>\n\u062a\u0645\u0627\u0645 \u0679\u0627\u0626\u0679\u0644 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a \u06a9\u06cc \u0646\u0642\u0648\u0644<br \/>\n\u0645\u0646\u0638\u0648\u0631 \u0634\u062f\u06c1 \u0628\u0644\u0688\u0646\u06af \u067e\u0644\u0627\u0646<br \/>\n\u0639\u0648\u0627\u0645\u06cc \u0646\u0648\u0679\u0633<\/p>\n<p><strong>\u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 \u0627\u0641\u0631\u0627\u062f \u06a9\u06d2 \u0644\u0626\u06d2<\/strong><br \/>\n\u0622\u062c\u0631 \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u062c\u0627\u0631\u06cc \u06a9\u06cc\u0627 \u06af\u06cc\u0627 \u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u0627 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679<br \/>\n\u06af\u0632\u0634\u062a\u06c1 3 \u0645\u0627\u06c1 \u06a9\u06cc \u0633\u06cc\u0644\u0631\u06cc \u0633\u0644\u067e\u0633<br \/>\n\u06af\u0632\u0634\u062a\u06c1 12 \u0645\u0627\u06c1 \u06a9\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<br \/>\n\u062f\u06cc\u06af\u0631 \u0645\u0627\u0644\u06cc \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u0633 \u06a9\u06cc \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u06cc \u062a\u0641\u0635\u06cc\u0644<\/p>\n<p><strong>\u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u0634\u062e\u0635\u06cc\u0627\u062a \u06a9\u06d2 \u0644\u0626\u06d2<\/strong><br \/>\n\u06af\u0632\u0634\u062a\u06c1 3 \u0633\u0627\u0644 \u06a9\u0627 \u0627\u0646\u06a9\u0645 \u0679\u06cc\u06a9\u0633 \u0631\u06cc\u0679\u0631\u0646\u060c \u067e\u0631\u067e\u0631\u0627\u0626\u0679\u0631\u0634\u067e \u0644\u06cc\u0679\u0631\/ \u067e\u0627\u0631\u0679\u0646\u0631\u0634\u067e \u0688\u06cc\u0679\/\u0645\u06cc\u0645\u0648\u0631\u0646\u0688\u0645 \u0627\u06cc\u0646\u0688 \u0622\u0631\u0679\u06cc\u06a9\u0644\u0632 \u0622\u0641 \u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646<br \/>\nCompany Bank Statement of last 12 months<br \/>\n\u062f\u06cc\u06af\u0631 \u0645\u0627\u0644\u06cc \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u0633 \u06a9\u06cc \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u06cc \u062a\u0641\u0635\u06cc\u0644<\/p>\n<p><strong>NRPs \u06a9\u06d2 \u0644\u06cc\u06d2<\/strong><br \/>\n\u0635\u0631\u0641 \u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 NRPs \u06a9\u0648 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0645\u06cc\u06ba \u06af\u06be\u0631\/\u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc\/\u062a\u0639\u0645\u06cc\u0631\/ \u062a\u0632\u0626\u06cc\u0646 \u0648 \u0622\u0631\u0627\u0626\u0634 \/ \u0628\u06cc\u0644\u0646\u0633 \u0645\u0646\u062a\u0642\u0644\u06cc \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u0641\u0631\u0627\u06c1\u0645 \u06a9\u06cc \u062c\u0627\u062a\u06cc \u06c1\u06d2\u06d4<br \/>\n\u06af\u0632\u0634\u062a\u06c1 3 \u0645\u0627\u06c1 \u06a9\u06cc \u0633\u06cc\u0644\u0631\u06cc \u0633\u0644\u067e<br \/>\n\u067e\u0627\u0633\u067e\u0648\u0631\u0679 \u06a9\u06cc \u0646\u0642\u0648\u0644<br \/>\nNICOP \u06a9\u06cc \u0646\u0642\u0648\u0644<br \/>\n\u0648\u06cc\u0632\/ \u0631\u06c1\u0627\u0626\u0634 \u06a9\u0627 \u062b\u0628\u0648\u062a<br \/>\n\u0645\u0646\u06c1\u0627 \u06a9\u0626\u06d2 \u06af\u0626\u06d2 \u0679\u06cc\u06a9\u0633 \u06a9\u06cc \u062a\u0641\u0635\u06cc\u0644\u0627\u062a<br \/>\n\u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u0627 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679 \u0627\u0648\u0631 \u0645\u0639\u0627\u06c1\u062f\u06d2 \u06a9\u06cc \u0646\u0642\u0648\u0644<br \/>\n\u0628\u06cc\u0646\u06a9 \u0644\u06cc\u0679\u0631 \u0627\u0648\u0631 \u06af\u0632\u0634\u062a\u06c1 12\u0645\u0627\u06c1 \u06a9\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679\u0633<br \/>\n\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631\/ \u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631 \u06a9\u06cc 2 \u0639\u062f\u062f \u0631\u0646\u06af\u06cc\u0646 \u067e\u0627\u0633\u067e\u0648\u0631\u0679 \u0633\u0627\u0626\u0632 \u062a\u0635\u0627\u0648\u06cc\u0631<br \/>\nNRP \u0633\u06d2 \u0645\u062a\u0639\u0644\u0642 \u0645\u0646\u062f\u0631\u062c\u06c1 \u0628\u0627\u0644\u0627 \u0648\u0627\u0636\u062d \u06a9\u0626\u06d2 \u06af\u0626\u06d2 \u062a\u0645\u0627\u0645 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a \u067e\u0627\u06a9\u0633\u062a\u0627\u0646\u06cc \u0642\u0648\u0646\u0635\u0644\u06cc\u0679 \u0633\u06d2 \u0628\u0627\u0642\u0627\u0639\u062f\u06c1 \u062a\u0635\u062f\u06cc\u0642 \u0634\u062f\u06c1 \u06c1\u0648\u0646\u06d2 \u0686\u0627\u06c1\u0626\u06cc\u06ba<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06a9\u06cc\u062c\u0626\u06d2<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f74120-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"74120\">\n<div class=\"screen-reader-response\">\n<p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\">\n<ul><\/ul>\n<\/div>\n<form action=\"\/ur\/wp-json\/wp\/v2\/pages\/116#wpcf7-f74120-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/ur\/wp-json\/wp\/v2\/pages\/116#wpcf7-f74120-o1\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"74120\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.0.6\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f74120-o1\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<p><label>\u0646\u0627\u0645<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><\/label>\n<\/p>\n<p><label>Phone Number:<span class=\"wpcf7-form-control-wrap\" data-name=\"your-cellno\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"number\" name=\"your-cellno\" \/><\/span><\/label>\n<\/p>\n<p><label>City:<span class=\"wpcf7-form-control-wrap\" data-name=\"your-city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-city\" \/><\/span><\/label>\n<\/p>\n<p><label>\u0627\u06cc \u0645\u06cc\u0644<span class=\"wpcf7-form-control-wrap\" data-name=\"client-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"client-email\" \/><\/span><\/label>\n<\/p>\n<p><label>CNIC:<span class=\"wpcf7-form-control-wrap\" data-name=\"CNIC\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"CNIC\" \/><\/span><\/label>\n<\/p>\n<p><label>Financing Required:<span class=\"wpcf7-form-control-wrap\" data-name=\"Financing-Required\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"Financing-Required\" \/><\/span><\/label>\n<\/p>\n<p><label >Tenure:<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Tenure\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"Tenure\"><option value=\"2\">2<\/option><option value=\"4\">4<\/option><option value=\"6\">6<\/option><option value=\"8\">8<\/option><option value=\"10\">10<\/option><option value=\"12\">12<\/option><option value=\"14\">14<\/option><option value=\"16\">16<\/option><option value=\"18\">18<\/option><option value=\"20\">20<\/option><option value=\"22\">22<\/option><option value=\"25\">25<\/option><\/select><\/span><br \/>\n<\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"\u062c\u0645\u0639 \u06a9\u0631\u06cc\u06ba\" \/>\n<\/p>\n<div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"ur\"\/><\/form>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0627\u06a9\u062b\u0631 \u067e\u0648\u0686\u06be\u06d2 \u062c\u0627\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0633\u0648\u0627\u0644\u0627\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\u0645\u0633\u06a9\u0646 \u0627\u0633\u0644\u0627\u0645\u06cc \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06d2 \u0644\u06cc\u06d2 \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0627\u0648\u0631 \u0632\u06cc\u0627\u062f\u06c1 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 \u06a9\u06cc\u0627 \u062d\u062f \u06c1\u06d2\u061f<\/p>\n<p>\u06af\u06be\u0631 \u06a9\u06cc \u062a\u0639\u0645\u06cc\u0631 \u06a9\u06d2 \u0644\u0626\u06d2\t\t2 \u0644\u0627\u06a9\u06be \u0631\u0648\u067e\u06d2 \u0633\u06d2 50 \u0645\u0644\u06cc\u0646 \u062a\u06a9<\/p>\n<p>\u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0627\u0648\u0631 \u0632\u06cc\u0627\u062f\u06c1 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 \u06a9\u0633\u06cc \u0645\u062f\u062a \u06a9\u06cc \u067e\u06cc\u0634\u06a9\u0634 \u06a9\u06cc \u062c\u0627\u062a\u06cc \u06c1\u06d2\u061f<\/p>\n<p>Home Construction: 2-25 Years<\/p>\n<p>\u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631 \u06c1\u0648\u0646\u06d2 \u06a9\u06cc \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u06a9\u06cc\u0627 \u0634\u0631\u0627\u0626\u0637 \u0644\u0627\u06af\u0648 \u06c1\u0648\u06ba \u06af\u06cc\u061f<\/p>\n<p>Co-applicant must be member of the immediate family i.e. Spouse, Parents &amp; Children (under 21) Brother and Sister (unmarried).<\/p>\n<p>Q. Which areas are considered &#8220;positive&#8221; for MUSKUN-Islami Home Financing?<\/p>\n<p>\u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u0645\u0633\u06a9\u0646 \u0627\u0633\u0644\u0627\u0645\u06cc \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06d2 \u0644\u0626\u06d2 \u06a9\u0648\u0626\u06cc \u0645\u0646\u0641\u06cc \u0639\u0644\u0627\u0642\u06d2 \u0646\u06c1\u06cc\u06ba \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u0627\u06af\u0631 \u0645\u0633\u06a9\u0646 \u0627\u0633\u0644\u0627\u0645\u06cc \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u067e\u0631\u06cc \u0645\u06cc\u0686\u06cc\u0624\u0631 \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc ( \u0642\u0628\u0644 \u0627\u0632 \u0648\u0642\u062a \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06cc\u0627 \u0645\u0646\u0633\u0648\u062e\u06cc) \u06a9\u0631 \u062f\u06cc \u06af\u0626\u06cc \u062a\u0648 \u0627\u0633 \u067e\u0631 \u06a9\u06cc\u0627 \u0686\u0627\u0631\u062c\u0632 \u06c1\u0648\u06ba \u06af\u06d2\u061f<\/p>\n<p>In case any pre-mature payment is done, Bank will sell the Musharakah units as follows:<\/p>\n<p>\u2022 5% if the Facility is settled in the 1st Year<\/p>\n<p>\u2022 NIL if the Facility is settled after the 1st Year<\/p>\n<p>\u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u0648\u06cc\u0644\u06cc\u0648 \u06a9\u06cc \u062a\u0634\u062e\u06cc\u0635 \u06a9\u0648\u0646 \u06a9\u0631\u06d2 \u06af\u0627\u061f<\/p>\n<p>\u0627\u0633 \u0645\u0642\u0635\u062f \u06a9\u06d2 \u0644\u0626\u06d2 \u06c1\u0645\u0627\u0631\u06d2 \u067e\u0627\u0633 \u0645\u0646\u0638\u0648\u0631 \u0634\u062f\u06c1 \u062a\u0634\u062e\u06cc\u0635 \u06a9\u0627\u0631 \u0645\u0648\u062c\u0648\u062f \u06c1\u06cc\u06ba<\/p>\n<p>Q. Will my spouse&#8217;s income also be considered?<\/p>\n<p>Yes, 100% of your spouse&#8217;s income (Wife or Husband) can be clubbed for Debt burden calculation. In addition 50% of your sibling&#8217;s income can also be clubbed for Debt burden calculation<\/p>\n<p>\u06a9\u06cc\u0627 \u0645\u062c\u06be\u06d2 \u0645\u0633\u06a9\u0646 \u06c1\u0648\u0645 \u06a9\u0646\u0633\u0679\u0631\u06a9\u0634\u0646 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06d2 \u0644\u0626\u06d2 \u0631\u0642\u0645 \u0627\u0633\u06cc \u0648\u0642\u062a \u0645\u0644 \u062c\u0627\u0626\u06d2 \u06af\u06cc\u061f<\/p>\n<p>\u062c\u06cc \u0646\u06c1\u06cc\u06ba\u060c \u0628\u06cc\u0646\u06a9 \u0622\u067e \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u0645\u06c1\u06cc\u0627 \u06a9\u0626\u06d2 \u06af\u0626\u06d2BOQ ( \u0628\u0644 \u0622\u0641 \u06a9\u0648\u0627\u0646\u0679\u06cc\u0679\u06cc ) \u0645\u0637\u0627\u0628\u0642 \u0627\u0633 \u06a9\u06cc \u0645\u0631\u062d\u0644\u0648\u06ba \u0645\u06cc\u06ba \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u0631\u06d2 \u06af\u0627 ( \u0632\u06cc\u0627\u062f\u06c1 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c14 \u0645\u0631\u0627\u062d\u0644) \u06d4<\/p>\n<p>\u06a9\u06cc\u0627 \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u0645\u0631\u0634\u0644 \u0645\u0642\u0627\u0635\u062f \u0645\u062b\u0627\u0644 \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u06a9\u0645\u0631\u0634\u0644 \u067e\u0644\u0627\u0632\u06c1 \u06a9\u06cc \u062a\u0639\u0645\u06cc\u0631 \u06a9\u06d2 \u0644\u0626\u06d2 \u0628\u06be\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u062f\u06cc\u062a\u0627 \u06c1\u06d2\u061f<\/p>\n<p>\u0645\u0633\u06a9\u0646 \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u0635\u0627\u0631\u0641 \u06a9\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u067e\u0631\u0648\u0688\u06a9\u0679 \u06c1\u06d2 \u0627\u0648\u0631 \u06cc\u06c1 \u0635\u0631\u0641 \u0631\u06c1\u0627\u0626\u0634\u06cc \u0645\u0642\u0627\u0635\u062f \u06a9\u06d2 \u0644\u0626\u06d2 \u06c1\u06cc \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u06cc \u062c\u0627 \u0633\u06a9\u062a\u06cc \u06c1\u06d2\u06d4<\/p>\n<p>Q. What are the application form &amp; processing charges?<\/p>\n<p>Please refer to <span style=\"color: #8cc53f;\"><a style=\"color: #8cc53f;\" href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2022\/12\/Schedule-of-Bank-Charges-January-June-2023-For-Circulation.pdf\">SOC<\/a><\/span><\/p>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":72997,"parent":12,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-116","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=116"}],"version-history":[{"count":3,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/116\/revisions"}],"predecessor-version":[{"id":79993,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/116\/revisions\/79993"}],"up":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/12"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/72997"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}