Pay Your HBFC Loan Instalment Online: 1Bill, Easypaisa or *786#, and Close the Loan Without Extra Charges

To pay an HBFC home loan instalment online, use 1Bill in any bank app with consumer number 100940 followed by your proposal number, or pay through Easypaisa, *786# on Telenor, or a bank's corporate payment option with your 10 digit account number. A missed instalment costs Rs 2,500. When the loan ends, collect your property papers within 90 days to avoid storage charges.

House Building Finance Company (HBFC) borrowers used to queue at branches to pay. Most no longer need to. We read HBFC's loan repayment options page and its July to December 2026 schedule of charges on 20 October 2026. The steps below follow HBFC's own wording.

HBFC lists five ways to pay an instalment without visiting a branch

HBFC's page lists 1Bill through any bank app, internet banking or ATM; the Easypaisa app; Telenor's *786# USSD menu; an Easypaisa merchant using *787#; and a bank app or internet banking corporate payment. All but 1Bill use a 10 digit account number.

Keep the receipt and the SMS every time. If an instalment is ever disputed, the transaction ID is your proof. Paying from a bank counter is also possible, and the SBP's rules on paying bills at bank counters explain what branches must accept.

Turn your proposal number into the 10 digit account number

HBFC's example is proposal number 231/01. Drop the slash and add zeros in front until there are 10 digits: 0000023101. Use that in Easypaisa, *786#, *787# and bank corporate payments. If it does not fetch your details, HBFC says to try your old account number.

1. Find the proposal number on your HBFC loan papers, for example 231/01.
2. Remove the slash: 23101.
3. Add zeros in front to make 10 digits: 0000023101.
4. Enter it in the app and press Next.
5. Check that the name shown is yours before entering the amount.
6. Pay, then save the receipt and the SMS.

For 1Bill the format is different. HBFC says to enter the six digit prefix 100940 followed by your proposal number without the 01. The title fetch shows the name and the amount due, which is your check that the number is right.

A missed instalment costs Rs 2,500, and early settlement costs 5 per cent

HBFC's schedule for July to December 2026 charges Rs 2,500 for each missed payment. Paying off the loan early costs 5 per cent of the principal outstanding, at any time in the loan. A balloon payment, a lump sum of at least 10 per cent of principal, costs 5 per cent of that payment.

HBFC's sheet says processing fees, balloon and early settlement charges may not apply on certain products. So if you hold a subsidised loan, ask in writing whether the 5 per cent applies to you before you pay it. Paying off a loan early to save markup only works if the saving is bigger than that charge.

Closing the loan: redemption deed, then collect your papers within 90 days

When the last instalment is paid, HBFC executes a redemption deed that releases the mortgage on your property, for Rs 3,000. Collect your original property documents within 90 days of closing. After that HBFC charges Rs 500 a month for storage, up to Rs 20,000.

Ask the branch for a written statement that the account is closed with nothing outstanding. Keep it with the redemption deed. If you plan to sell, a buyer and the registration office will want both. If another person signed as a co-applicant or guarantor, make sure their liability ends too, as set out in ending a joint borrower's liability.

Development authorities check this too. In Faisalabad, FDA's checklist for an ownership clearance certificate lists a deed of redemption where the property was mortgaged. Bring a copy of it to any later transfer.

Complain if a payment is not credited

Call HBFC on 0800-42325 or email complaint@hbfc.com.pk with your CNIC, account number, branch and the payment receipt. HBFC says it acknowledges complaints within 48 hours, except call centre ones, and resolves them in 7 to 15 working days.

If the answer is not good enough, HBFC itself names the State Bank's Banking Conduct and Consumer Protection Department and the Banking Mohtasib as the next forums. You can also track a new loan application on HBFC's website with your CNIC and proposal number or relation ID.

Common questions

How do I pay my HBFC instalment through Easypaisa?

Open Easypaisa, choose More, then Loan Payments, then House Building Finance Company. Enter your 10 digit account number, the amount, and pay.

What is the HBFC 1Bill consumer number?

HBFC says to enter the prefix 100940 followed by your proposal number, without the 01. The app then shows your name and amount due.

What happens if I miss an HBFC instalment?

HBFC charges Rs 2,500 for each missed payment on its July to December 2026 schedule. The charge applies to each instalment you miss.

How much does it cost to close an HBFC loan early?

Five per cent of the principal outstanding, plus Rs 3,000 for the redemption deed. HBFC says the 5 per cent may not apply on some products.

What are HBFC storage charges?

If you do not collect your documents within 90 days of closing, HBFC charges Rs 500 a month, up to Rs 20,000.

My payment did not show in HBFC's record. What should I do?

Send the receipt to complaint@hbfc.com.pk or call 0800-42325 with your CNIC and account number, and keep a note of the complaint number.

How we verified this

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

We read HBFC's loan repayment options page, its schedule of charges for 1 July to 31 December 2026, its complaint process page and its online tracking page on 20 October 2026. The examples in the charges table are our arithmetic. One payment option on HBFC's page is headed "Through HBFC" but describes a bank app's corporate payment menu, so we have described it that way. We did not make a test payment.