• Home Purchase.
• Purchase of undivided share (Home Renovation).
• Purchase of undivided share of property at other bank (Balance Transfer).

There are so many reasons that make Dubai Islamic Home Finance the right choice!

• 100% Shariah Compliance 
• Financing of up to Rs. 30 million 
• Fastest processing time 
• Affordable monthly payment amount 
• Financing of up to 80% of your property value 
• Early & Partial settlement options as per the applicable terms
  

• Pakistani National.
• Age 23-65.
• Minimum income of Rs.15,000.
• Self-employed Businessmen/Professionals or Salaried individuals.

Property Eligibility Criteria

• The qualifying property must be located in Cities (Karachi, Lahore, Islamabad, Rawalpindi and Faisalabad) of Pakistan.
• The minimum value of the property must be greater than Rs.800,000.

• Copy of primary applicant’s CNIC.
• Copy of Co-partner’s CNIC, if necessary. 
• 2 Passport Size Photographs.
• Tax Returns.
• Copy of Utility Bill. 
• Professional Degree (for self employed professionals only). 
• Salary Certificate/Proof of Profession. 
• Latest Salary Slip. 
• Bank statement of the last 12 months & Bank Certificate.

• Our Relationship Officer will visit and help you complete the Home Finance application form.
• Once your application has been analyzed and approved you will recive an offer letter stating the terms of offer and the amount DIBPL is willing to offer you as a finance.
• On completion of these steps, the amount stated in the offer letter which is DIBPL’s contribution towards Musharaka will be deposited by DIBPL to Musharaka account.
• Customer will be registered as the legal owner of the property at the local registrar’s office.
• Customer will then be required to lease DIBPL’s undivided share of the property DIBPL for an agreed number of years.
• After successful completion of Lease, DIBPL will sell its undivided share in the house to you for a nominal price and the property will be transferred to your name.