• Skip to main content
  • Skip to footer

U Bank

  • Home
  • About Us
    • About U Bank
    • The Management Team
    • Board of Directors
    • Company Information
    • Awards and Recognition
  • Banking Services
    • RAAST Payment
    • UPaisa
    • Deposits
      • U Bank Cash Back Salary Transfer Account
      • U Bank Cash Back Asaan Salary Transfer Account
      • Premium Current Account
      • Business Current Account
      • Rozana Munafa Bachat Account
      • Mehfooz Bachat Account
      • Corporate Savings Account
      • Corporate Term Deposit Account
      • Samar Term Deposit Account
      • Sila Term Deposit Account
      • Upaisa Karobar Mobile Account
    • Lending
      • Bank Guarantee
      • U Bank Running Finance
      • Laptop and Mobile Financing
      • Khud Mukhtar Loan
      • Solar Financing
      • Sarmaya-e-Taleem Loan
      • Commercial Vehicle Financing
      • Agricultural Loans
      • Barhta Karobar Loan (MSME Loan)
      • Home Loan
        • U Bank Home Loan
      • Karsaz Gold Loan
      • Livestock Loan
      • Motorbike Loan
      • Pension Loan
      • Salary Loan
      • Sunehra Sarmaya Loan
      • Tractor & Equipment Loan
    • Women Financial Services
      • U Bank Scooty Financing
      • Shana Bashana Loan
      • Rehnuma Bachat Account
    • Home Remittance
      • International Remittance
      • Upaisa Domestic Remittance
      • Sohni Dharti Remittance Program – SDRP
    • Safe Deposit Lockers
    • Asaan Mobile Account – AMA
    • U Bank@Work
  • Islamic Banking
    • About U Bank Islamic Banking
    • About Shari’ah Advisor
    • Deposit Products
      • U Islamic Salary Transfer Account
      • U Islamic Noor Account
      • U Islamic Asaan Saving Account
      • U Islamic Asaan Current Account
      • Ba-Aitmaad Current Account
      • Ba-Aitmaad Bachat Account
      • Samar Islami Term Deposit
    • Financing Products
      • Tawfeeq Financing – Diminishing Musharakah
      • Enaya Murabaha Financing
      • U Bank Commercial Vehicle – Diminishing Musharakah Financing
      • U Bank Tractor – Diminishing Musharakah Financing
      • Apna Karobar – Murabaha Financing
      • Apna Karobar – Premium Murabaha Financing
      • Asaan Kashtkar – Salam Financing
      • Asaan Kashtkar – Premium Salam Financing
      • Makaan Asaan – Diminishing Musharakah Financing
    • Difference between Islamic Banking and Conventional Banking Products
    • Difference between Islamic Banking and Conventional Banking
    • Public Information
      • Ask Shari’ah
      • Schedule of Charges
      • Fatwa
      • Fatwa-Islamic Banking Window
      • Pricing Structure of Financing Products
      • PSR & Weightages
      • IRR Disclosure
      • Profit Rates
      • PER & IRR Disclosures
        • PER Disclosure
      • FAQs
        • English
        • Urdu
      • Key Fact Statement
  • Public Information
    • DFS Partners
    • Newsletter
    • Press Center
    • Notices & Announcements
    • Downloads
    • Videos
  • Contact Us
  • Online Banking

U Bank Home Loan – Government Mark-up Subsidy Scheme

U Bank Home Loan - Govt. Subsidy Scheme

Low-Cost Housing Finance under Government Mark-up Subsidy Scheme

U Microfinance Bank offers Housing Finance facility under Government’s Mark-up subsidy scheme to business & salaried individuals for purchase of a new house or a flat, construction of a house or extension of an existing house.

Basic Product Purpose:

  • For purchase or construction of a house or a Flat
  • For purchase of land for house construction
  • For house construction on customer’s own land
  • Expansion in existing house

Eligibility Criteria:

  • Pakistani Resident having valid CNIC
  • Age limit 25-60 years (at the time of loan application)
  • First time Home owner
  • Minimum monthly income Rs.25,000

Salient Features:

  • Loan facility from PKR 500,000 to PKR 2,000,000
  • Loan tenure from 5 to 20 years
  • Loan repayment in easy monthly installments
  • Income clubbing allowed with immediate family members
  • In Line with SBP’s direction regarding GMSS, the financed housing unit will be mortgaged in the favor of UMBL.
  • Financing facility available for:
    • House with a covered area of 5 Marla/125 sq yards
    • Flat having a covered area of 1250 sq ft.

Mark-up Rate:

First 05 years5%
06-10 years7%
Above 10 yearsKIBOR + 7%

Required Documents:

  • Original CNIC
  • Passport size photo (recent)
  • Proof of income
  • Title documents of property to be mortgaged
  • Offered property should be free from any bar and charges

Installment Plan:

Loan Amount (PKR)500,000700,0001,000,0001,200,0001,500,0001,800,0002,000,000
10 Years Plan Installment amount5,3037,42510,60712,72815,91019,09221,213
20 Years Plan Installment amount3,3004,6206,6007,9209,90011,88013,200

(Above mentioned instalment amounts are calculated for first 05 years)

Footer

ABOUT U BANK

U Microfinance Bank Ltd. (U Bank) is a wholly owned subsidiary of Pakistan Telecommunication Company Limited (PTCL) – Etisalat Company. The bank has a network of more than 250 branches, across 210 cities and rural areas in Pakistan and offers a wide range of microfinance loans, deposit products, and branchless banking solutions. U Bank’s branchless banking offers services under the banner of U Paisa in collaboration with Ufone (Pak Telecom Mobile Limited). The service is offered at nearly 50,000 agent locations across Pakistan.

U Microfinance Bank is proud to be at the front line of fighting poverty in Pakistan and is dedicated to play its critical part in the implementation...
Read More

useful links

  • About UPaisa
  • Awards and Recognition
  • Careers
  • Contact Us
  • Downloads
  • FAIR TREATMENT TO CUSTOMERS
  • IBAN (International Bank Account Number)
  • Notices & Announcements
  • Press Center
  • Prime Minister’s Flood Relief Fund, 2022
  • Prime Minister’s Relief Fund for Türkiye’s Earthquake Victims
  • Privacy Policy
  • Public Awareness Notices from SBP & PBA
  • Whistle Blowing Policy

follow us on

Facebook link Facebook link

Download U Bank Digital App

Copyright © 2025