{"id":12,"date":"2017-03-22T12:49:12","date_gmt":"2017-03-22T12:49:12","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=12"},"modified":"2021-11-11T10:50:25","modified_gmt":"2021-11-11T05:50:25","slug":"muskun-home-financing","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/muskun-home-financing\/","title":{"rendered":"\u0645\u0633\u06a9\u0646 \u06c1\u0648\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af"},"content":{"rendered":"<div id=\"child-pages-wrap\" class=\"child-pages-tab  style-horizontal with-border with-bg-colors\">\n\n\t\t\t\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#purchase\">\u062e\u0631\u06cc\u062f\u0627\u0631\u06cc<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#construction\">\u062a\u0639\u0645\u06cc\u0631<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#renovation\">\u062a\u0632\u0626\u06cc\u0646 \u0648 \u0622\u0631\u0627\u0626\u0634<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#replacement\">\u0645\u062a\u0628\u0627\u062f\u0644<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#glossary:-(muskun-finance)\">Glossary: (Muskun Finance)<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#exclusive-home-financing-offer\">Exclusive Home Financing Offer<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/ul>\n\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"purchase\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a210ee728e8e\" 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_text\" ><\/p>\n<div style=\"background-color: transparent; padding: 30px;\">\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/strong><\/p>\n<p>Just point your finger at the Bungalow or Apartment of your choice and we\u2019ll help you buy it.<\/p>\n<table id=\"tablepress-10\" class=\"tablepress tablepress-id-10\">\n<caption>\u00a0<\/caption>\n<tbody class=\"row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0645\u062f\u062a<\/td>\n<td class=\"column-2\">2 \u0633\u06d2 25 \u0633\u0627\u0644<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f<\/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<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc<\/td>\n<td class=\"column-2\">Maximum up to 75% for salaried<br \/>\nMaximum up to 75% for SEP *<br \/>\n(* Doctors, Engineers, Architectures, Chartered Accountants)Maximum up to 75% for Business persons\/NRPs<\/td>\n<\/tr>\n<tr class=\"row-4\">\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<\/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<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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<\/p>\n<p>\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<\/p>\n<p>\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\u00a0<a href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click the link<\/a><\/p>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>How It Works?: <\/strong><\/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\u00a0<u>MUSKUN<\/u>\u00a0Home purchase by the bank. Your Business Executive and our in house \/\u00a0<u>Externa<\/u><u>l<\/u>\u00a0lawyer 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\u00a0<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>When you have purchased all units of Bank, you become the sole owner with a free and clear title to your home.<\/li>\n<\/ul>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Eligibility:<\/strong><\/p>\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8\">\n<caption>\u00a0<\/caption>\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.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0639\u0645\u0631 \u06a9\u06cc \u062d\u062f<\/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 \/>\n\u0646\u0627\u0646 \u0631\u06cc\u0630\u06cc\u0688\u0646\u0679\u0633 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646\u06cc\u0648\u06ba \u06a9\u06d2 \u0644\u06cc\u06d2<br \/>\n\u0628\u0646\u06cc\u0627\u062f\u06cc \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u0631:25 \u0633\u06d2 60 \u0633\u0627\u0644<br \/>\n\u0634\u0631\u06cc\u06a9 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06af\u0632\u0627\u063121 \u0633\u06d2 70 \u0633\u0627\u0644<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">\u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u06cc \u0645\u062f\u062a:<\/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<\/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<\/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><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\u2019s 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 style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Apply Now:<\/strong><\/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\/12#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\/12#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 style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>FAQs:<\/strong><\/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 \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \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 Purchase 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 only<\/p>\n<p>Q. Which areas are considered \u201cpositive\u201d 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\u2019s income also be considered?<\/p>\n<p>Yes, 100% of your spouse\u2019s income (Wife or Husband) can be clubbed for Debt burden calculation. In addition 50% of your sibling\u2019s income can also be clubbed for Debt burden calculation<\/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\u00a0<strong><a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2022\/12\/Schedule-of-Bank-Charges-January-June-2023-For-Circulation.pdf\">SOC<\/a><\/strong><\/p>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Fatwa:<\/strong><\/p>\n<p>BankIslami&#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<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"construction\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a210ee72cce8\" 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-o2\" 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\/12#wpcf7-f74120-o2\" 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\/12#wpcf7-f74120-o2\">\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-o2\" \/><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>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"renovation\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a210ee7319e7\" 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>\nThinking of remodelling your kitchen to fulfill your wife&#8217;s long awaited wish, or build a study area for your kids, or a cozy library for your parents, or just want to give your home a new look? you plan it, we&#8217;ll help you renovate it.<\/p>\n<table id=\"tablepress-11\" class=\"tablepress tablepress-id-11\">\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 6 \u0645\u0627\u06c1\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<\/td>\n<td class=\"column-2\">2-10 Years\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f<\/td>\n<td class=\"column-2\">Rs. 150K \u201310M\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<\/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<\/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-11 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<\/p>\n<p>\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<\/p>\n<p>\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\">\u0627\u06c1\u0644\u06cc\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<table id=\"tablepress-8-no-2\" 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-no-2 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-o3\" 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\/12#wpcf7-f74120-o3\" 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\/12#wpcf7-f74120-o3\">\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-o3\" \/><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\u0632\u0626\u06cc\u0646 \u0648 \u0622\u0631\u0627\u0626\u0634 \u06a9\u06d2 \u0644\u06cc\u06d2\t\u0627\u06cc\u06a9 \u0644\u0627\u06a9\u06be 50 \u06c1\u0632\u0627\u0631 \u0631\u0648\u067e\u06d2 \u0633\u06d2 10 \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 Renovation: 2-10 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 \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>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"replacement\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a210ee7356d0\" 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>\nDon&#8217;t lay the foundation of your Dream home on interest. If you already have a Conventional Mortgage loan and want to switch to Shariah compliant means of Financing, we&#8217;ll help you transfer it.<\/p>\n<table id=\"tablepress-12\" class=\"tablepress tablepress-id-12\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0645\u062f\u062a\t<\/td>\n<td class=\"column-2\">2-25 Years\n<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f\t<\/td>\n<td class=\"column-2\">Rs. 200K &#8211; 150M\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc<\/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-4\">\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<\/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-12 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<\/p>\n<p>\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<\/p>\n<p>\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>\u0641\u0648\u0627\u0626\u062f:<\/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\">\u0627\u06c1\u0644\u06cc\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<table id=\"tablepress-8-no-3\" 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-no-3 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-o4\" 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\/12#wpcf7-f74120-o4\" 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\/12#wpcf7-f74120-o4\">\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-o4\" \/><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>Balance Transfer (Replacement): Rs. 200K \u2013 150M<\/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 Replacement: 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 \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>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"glossary:-(muskun-finance)\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a210ee7391c2\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium 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_text\" ><\/p>\n<div style=\"background-color: transparent; padding: 30px;\">\n<p>\u00a0<\/p>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Glossary: (Muskun Home Finance)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>Acronym<\/th>\n<th>Description<\/th>\n<th>Acronym<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BIPL<\/td>\n<td>Bank Islami Pakistan Limited<\/td>\n<td>BIR<\/td>\n<td>\u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc<\/td>\n<\/tr>\n<tr>\n<td>BOQ<\/td>\n<td>Bill of Quantity<\/td>\n<td>BTF<\/td>\n<td>Balance Transfer Facility<\/td>\n<\/tr>\n<tr>\n<td>CO<\/td>\n<td>Collection Officer<\/td>\n<td>C&amp;R<\/td>\n<td>Collection &amp; Recoveries<\/td>\n<\/tr>\n<tr>\n<td>CAD<\/td>\n<td>Credit Administration Department<\/td>\n<td>CIU<\/td>\n<td>Credit Initiation Unit<\/td>\n<\/tr>\n<tr>\n<td>COMPSCAN<\/td>\n<td>Competitive Scan<\/td>\n<td>CRO<\/td>\n<td>Chief Risk Officer<\/td>\n<\/tr>\n<tr>\n<td>DPD<\/td>\n<td>Days Past Due<\/td>\n<td>EAMU<\/td>\n<td>External Agency Management Unit<\/td>\n<\/tr>\n<tr>\n<td>EMI<\/td>\n<td>Equal Monthly Installment<\/td>\n<td>EV<\/td>\n<td>External Verification<\/td>\n<\/tr>\n<tr>\n<td>FAQ<\/td>\n<td>Frequently Asked Questions<\/td>\n<td>FMS<\/td>\n<td>Financial Management System<\/td>\n<\/tr>\n<tr>\n<td>FSV<\/td>\n<td>Forced Sale Value<\/td>\n<td>HoD<\/td>\n<td>Head of Department<\/td>\n<\/tr>\n<tr>\n<td>IV<\/td>\n<td>Internal Verification<\/td>\n<td>KYC<\/td>\n<td>Know Your Customer<\/td>\n<\/tr>\n<tr>\n<td>LCG<\/td>\n<td>Local Corporate Group<\/td>\n<td>MODTD<\/td>\n<td>Memorandum Deposit of Title Deeds<\/td>\n<\/tr>\n<tr>\n<td>MFA<\/td>\n<td>Master Financing Agreement<\/td>\n<td>MNC<\/td>\n<td>Multinational Company<\/td>\n<\/tr>\n<tr>\n<td>NOC<\/td>\n<td>No Objection Certificate<\/td>\n<td>OL<\/td>\n<td>Offer Letter<\/td>\n<\/tr>\n<tr>\n<td>OS<\/td>\n<td>Officer Sales<\/td>\n<td>PTP<\/td>\n<td>Promise to Pay<\/td>\n<\/tr>\n<tr>\n<td>RBR<\/td>\n<td>Repayment Burden Ratio<\/td>\n<td>SBP<\/td>\n<td>State Bank of Pakistan<\/td>\n<\/tr>\n<tr>\n<td>SCD<\/td>\n<td>Shariah Compliance Department<\/td>\n<td>SEP<\/td>\n<td>Self-Employed Professional<\/td>\n<\/tr>\n<tr>\n<td>TL<\/td>\n<td>Team Lead<\/td>\n<td>UMI<\/td>\n<td>Unequal Monthly Installment<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Apply Now:<\/strong><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f72875-o5\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"72875\">\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\/12#wpcf7-f72875-o5\" 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\/12#wpcf7-f72875-o5\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"72875\" \/><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-f72875-o5\" \/><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> Your name<br \/>\n<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> Your email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phonenumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"your-phonenumber\" \/><\/span><\/label>\n<\/p>\n<p><label> Your city<br \/>\n<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> Your desired car<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-desiredcar\"><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-desiredcar\" \/><\/span> <\/label>\n<\/p>\n<p><label> Car type<span class=\"wpcf7-form-control-wrap\" data-name=\"menu-651\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"menu-651\"><option value=\"New\">New<\/option><option value=\"Used\/ Reconditioned\">Used\/ Reconditioned<\/option><\/select><\/span><\/label>\n<\/p>\n<p><label> Financing Required<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"financingrequired\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"financingrequired\" \/><\/span><\/label>\n<\/p>\n<p><label> Other detail (optional)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-detail\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-detail\"><\/textarea><\/span> <\/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<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"exclusive-home-financing-offer\">\n\t\t\t\t\t\t\t<p><section data-bb-version=\"4.7.6\" id=\"bt_bb_section6a210ee73bd93\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium bt_bb_bottom_spacing_medium bt_bb_section_show_left_boxed_content\"  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  bt_bb_column_gap_20\" style=\"; --column-gap:20px;\" data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div  class=\"bt_bb_column col-xl-5 bt_bb_align_left bt_bb_vertical_align_middle bt_bb_animation_fade_in animate bt_bb_padding_normal\"  data-width=\"5\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_left bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"margin: 6em 0 0 6vw;\" data-speed=\"1.0\"><div class=\"bt_bb_floating_element_html\" data-speed=\"1.0\"><span  style=\"width: 110px; height: 110px; border-radius: 50%; box-shadow: 0 1.25em 4.5em rgba(0,0,0,.1);background-color: rgba(255, 255, 255, 1);\"><\/span><\/div><\/div><header data-bb-version=\"5.3.4\" class=\"bt_bb_headline bt_bb_font_weight_900 bt_bb_dash_top bt_bb_superheadline bt_bb_superheadline_outside bt_bb_size_extralarge bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_extralarge&quot;,&quot;def&quot;:&quot;extralarge&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;def&quot;:&quot;inherit&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><div class=\"bt_bb_headline_superheadline_outside\"><span class=\"bt_bb_headline_superheadline\">BankIslami Home Financing<\/span><\/div><h2 style=\"font-size:50px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span><u>Limited Time<\/u><b> Offer<\/b><\/span><\/span><\/h2><\/header><div data-bb-version=\"5.3.0\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal bt_bb_hidden_xs bt_bb_hidden_ms bt_bb_hidden_md bt_bb_hidden_lg bt_bb_hidden_xl\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><\/div><div  class=\"bt_bb_text\" ><\/p>\n<p>BankIslami is pleased to introduce an exclusive and limited-time Home Financing Facility, designed to provide our valued customers with a convenient and affordable solution to own their dream home.<\/p>\n<p>Under this offer, customers can avail home financing at a highly competitive rental rate of 12.99%, applicable for the first three years of the financing tenure. This attractive rate offers financial ease and helps customers manage their monthly payments comfortably during the initial years.<\/p>\n<p>After the completion of the three-year period, the standard rack rates will apply for the remaining financing tenure, subject to prevailing market conditions.<\/p>\n<p><strong>The revised rental rates after the initial period will be as follows:<\/strong><\/p>\n<p>Salaried Individuals: 1 Year KIBOR + 2%<\/p>\n<p>Self-Employed Professionals and Businessmen: 1 Year KIBOR + 3%<\/p>\n<p>\n<\/div><\/div><\/div><div  class=\"bt_bb_column col-xl-7 bt_bb_align_center bt_bb_vertical_align_middle bt_bb_animation_fade_in animate bt_bb_padding_normal bt_bb_column_background_image bt_bb_mobile_align_to_both_edges\" style=\"background-image:url(&#039;&#039;);background-position:94% 78%;background-size:auto;\" data-width=\"7\" data-bt-override-class=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;,&quot;xl&quot;:&quot;center&quot;}}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_right bt_bb_floating_element_vertical_position_bottom bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"margin-right: 9.4vw;\" data-speed=\"1.0\"><div class=\"bt_bb_floating_element_html\" data-speed=\"1.0\"><span  style=\"width: 140px; height: 140px; border-radius: 50%; background-repeat: repeat;\"><\/span><\/div><\/div><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_right bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"margin-right: 6.7vw;\" data-speed=\"1.0\"><div class=\"bt_bb_floating_element_html\" data-speed=\"1.0\"><span  style=\"width: 17px; height: 17px; border-radius: 50%;background-color: rgba(204, 184, 146, 1);\"><\/span><\/div><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_medium bt_bb_hidden_md bt_bb_hidden_lg\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;def&quot;:&quot;medium&quot;,&quot;xl&quot;:&quot;medium&quot;}}\"><\/div><div data-bb-version=\"5.3.4\" class=\"bt_bb_image hm-img bt_bb_shape_square bt_bb_target_self bt_bb_align_inherit bt_bb_hover_style_simple bt_bb_content_display_always bt_bb_content_align_middle bt_bb_fill_background_color_full\" style=\"max-width: 760px; position: relative;\" data-bt-override-class=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;def&quot;:&quot;inherit&quot;},&quot;bt_bb_content_display_&quot;:{&quot;current_class&quot;:&quot;bt_bb_content_display_always&quot;,&quot;def&quot;:&quot;always&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><span><img loading=\"lazy\" decoding=\"async\" width=\"1279\" height=\"1600\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99.jpeg\" class=\"attachment-full size-full\" alt=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99.jpeg\" data-full_image_src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99.jpeg\" title=\"BankIslami 12.99\" srcset=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99.jpeg 1279w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99-640x801.jpeg 640w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99-768x961.jpeg 768w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99-1228x1536.jpeg 1228w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99-10x12.jpeg 10w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/05\/BankIslami-12.99-320x400.jpeg 320w\" sizes=\"auto, (max-width: 1279px) 100vw, 1279px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><section id=\"bt_bb_section6a210ee73d1be\" class=\"bt_bb_section bt_bb_layout_boxed_1200\"  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 data-bb-version=\"4.7.6\" class=\"bt_bb_separator border-auto-women bt_bb_border_style_dashed bt_bb_top_spacing_small bt_bb_bottom_spacing_small border-auto-women\" style=\"border-bottom: 2px dashed #979797; border-width: 2\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;}}\"><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><section data-bb-version=\"4.7.6\" id=\"fleet-financing\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_small bt_bb_bottom_spacing_medium\"  data-bt-override-class=\"null\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div data-bb-version=\"4.7.6\" class=\"bt_bb_row  hm-fleet-financing\"  data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div data-bb-version=\"4.7.6\"  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=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_left&quot;,&quot;def&quot;:&quot;left&quot;}}\"><div class=\"bt_bb_column_content\"><div data-bb-version=\"4.7.6\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><\/div><header data-bb-version=\"5.3.4\" class=\"bt_bb_headline hm-priority-register bt_bb_font_weight_700 bt_bb_dash_none bt_bb_size_large bt_bb_align_center hm-priority-register\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;def&quot;:&quot;large&quot;,&quot;sm&quot;:&quot;small&quot;,&quot;xs&quot;:&quot;small&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><h5 style=\"font-size:30px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>To Get Registered for BankIslami Exclusive Home Financing Offer<\/span><\/span><\/h5><\/header><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_extra_small bt_bb_bottom_spacing_small\" data-bt-override-class=\"null\"><\/div><div  class=\"bt_bb_text\" ><\/p>\n<p style=\"text-align: center;\">You can request to join BankIslami Exclusive Home Financing Offer by filling the below form:<\/p>\n<p>\n<\/div><div data-bb-version=\"4.7.6\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><\/div><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f74120-o6\" 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\/12#wpcf7-f74120-o6\" 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\/12#wpcf7-f74120-o6\">\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-o6\" \/><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><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":72996,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/12","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=12"}],"version-history":[{"count":0,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/12\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/72996"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}