Bank AL Habib Home Loan 2026: Housing Finance at KIBOR Plus 3%, Up to Rs 100 Million for 25 Years in Pakistan (Rates, Fees, Eligibility)

We read Bank AL Habib's individual financing page, which covers AL Habib Housing Finance, and its schedule of bank charges for July to December 2026 on 9 November 2026. Both are on bankalhabib.com. Below are the rates, the loan sizes for each purpose, who qualifies, the fees, and what a loan costs each month. KIBOR is the rate banks lend to each other at, and home loans here are priced as KIBOR plus a fixed margin.

Bank AL Habib home loan rate is KIBOR plus 3% or 3.5%

Salaried borrowers pay 1 year KIBOR plus 3% a year. Self-employed professionals and business people pay KIBOR plus 3.5%. The margin stays the same for the whole loan, but KIBOR is reset on each anniversary, so your instalment can rise or fall once a year.

The 13.05% is the 1 year KIBOR offer rate on 30 October 2026, the last working day of October, from our KIBOR page for that day. The bank's page does not say which day's KIBOR it uses for a new home loan, so ask the branch. The latest figure is on our KIBOR rate today page.

Bank AL Habib lends Rs 0.3 million to Rs 100 million for a home

The largest loans, up to Rs 100 million, are for buying a built house or flat, or for buying a plot and building on it. Building on land you own and moving a loan from another bank go up to Rs 50 million. Renovation goes up to Rs 20 million.

A construction loan is paid out in three stages: 30% at the plinth and foundation, 30% when the structure is complete, and 40% at the finishing stage. Our guide to home loans to build a house compares this with other lenders.

What a Bank AL Habib home loan costs each month

On Rs 10 million over 20 years at 16.05%, the instalment is about Rs 139,500 a month, and the markup over the full term comes to about Rs 23.5 million if KIBOR does not change. On Rs 5 million over 15 years, it is about Rs 73,600 a month.

These are our own sums using a standard equal monthly instalment. A 1 point rise in KIBOR lifts the Rs 10 million, 20 year instalment to about Rs 147,100. The bank allows instalments of up to 50% of your net income, so a Rs 139,500 instalment needs a take-home income of at least about Rs 279,000 a month, counting a co-borrower.

Who qualifies for a Bank AL Habib home loan

You must be a Pakistani national aged at least 25, with a year's history with any bank. Salaried borrowers need Rs 60,000 a month take-home pay and two years in work. Self-employed borrowers need Rs 100,000 a month. The loan must end by 60 for salaried and 65 for self-employed.

• Minimum age 25. Maximum age at the end of the loan: 60 for salaried, 65 for self-employed.
• Minimum take-home income: Rs 60,000 a month salaried, Rs 100,000 self-employed.
• Work history: 2 years for salaried and professionals, 3 years for business people.
• All loan instalments together: up to 50% of net income.
• A satisfactory credit history.
• A co-borrower earning at least Rs 30,000 a month can be added: spouse, father, mother or son.

For business people, the bank judges income from a year of bank statements or sends an income estimation agent to your place of work. If you earn less, the government's Apna Ghar scheme may suit you better. Bank AL Habib lists it too, with no processing fee, and our guide explains how to apply for an Apna Ghar loan.

Bank AL Habib home loan fees

The processing fee is Rs 12,000. Paying off early, in full or in part, costs nothing, and the bank's page adds that balloon payments are free too. A late instalment costs Rs 1,400. Valuation, lawyer's checks and stamp duty are charged at cost.

Property insurance is at your cost. Life insurance or takaful cover comes free, on the bank's terms. The same fee list also applies to the bank's renewable energy loans for individuals.

How to apply for Bank AL Habib housing finance

Fill the bank's application form and take it to your nearest Bank AL Habib branch with your documents. The bank's valuer checks the property, and the instalment is taken from your Bank AL Habib account each month.

1. Pick the purpose: buy, build, plot and build, renovate or move a loan from another bank.
2. Collect your CNIC, three passport photos, the application form and one year of bank statements.
3. Add proof of two years in work and three months of salary slips, or three years of business proof if you run a business.
4. Submit at a branch, or call the Consumer Banking Division on 111 111 176.
5. After approval, sign the documents, pay the Rs 12,000 fee and set up the direct debit for instalments.

Common questions

What is the Bank AL Habib home loan interest rate in 2026?

1 year KIBOR plus 3% for salaried borrowers and plus 3.5% for the self-employed. With KIBOR at 13.05% on 30 October 2026, that is about 16.05% and 16.55% a year.

How much home loan can I get from Bank AL Habib?

From Rs 0.3 million up to Rs 100 million to buy a home or a plot and build. Construction and balance transfer go up to Rs 50 million, and renovation up to Rs 20 million.

What is the minimum salary for a Bank AL Habib home loan?

Rs 60,000 a month take-home for salaried applicants and Rs 100,000 for the self-employed. A co-borrower earning Rs 30,000 or more can be added.

What is the longest Bank AL Habib home loan?

25 years, as long as the loan ends by age 60 for salaried borrowers or 65 for the self-employed.

Can I repay a Bank AL Habib home loan early?

Yes. Full or partial early settlement is free under the July to December 2026 schedule of charges, and the bank's page says balloon payments carry no charge.

What is the Bank AL Habib home loan processing fee?

Rs 12,000. Valuation, legal checks and stamp duty are extra at actual cost. The Apna Ghar scheme has no processing fee.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read Bank AL Habib's individual financing page, with the housing finance rates, limits and FAQs, and its schedule of bank charges for July to December 2026 on 9 November 2026. The 13.05% KIBOR is the SBP offer rate for 30 October 2026 as recorded on our KIBOR page. The percent rates and instalments are our arithmetic, not a bank quote. For the bank's car loans, see Bank AL Habib ApniCar rates.