Following documents are required to be submitted by an applicant along with the completed application form.

Basic Documents

• 2 recent passport size color photographs.

• Copy of Computerized NIC (original to be shown at our office).**

• Bank Statement for the last 6 months (original or attested).**

• Copies of complete chain of title documents of the property being offered (if identified).

• Processing fee cheque / pay order favoring “Bank Alfalah Ltd.”

• Life Insurance (MPP) and property insurance (PI) forms.*

• Letter of understanding.*

Additional documents for salaried resident Pakistanis

• Salary Certificate (original) from the employer, showing the gross salary, deductions and length of service.

• Latest Salary Slip / Pay Slips duly attested by the HR department (or)

• Employment Verification Form signed by the employer. *

• Salaried Director - Copy of Form 29 / Form A.

Additional documents for salaried Non-resident Pakistanis (NRPs)

• Copy of Pakistani Passport valid for at least next 1 year.** or NICOP

• Copy of Contract / Work Permit / Iqama / Residence Permit / etc.**

• Copies of last 3 years Income Tax Returns (Not Applicable for Middle Eastern Countries).**

• Personal Guarantee of a relative based in Pakistan and acceptable to Bank.

Additional documents for Businessmen/Self-Employed Individuals (as applicable)

• Copy of current professional association membership / trade body membership certificate (if applicable).

• Deed of Partnership + (Undertaking & NOC) as per Bank format.*

• Sole Proprietorship Letter / Certificate from customer’s Bank.*

• Copy of latest Form 29 duly attested by the Company Secretary.

• Letter from company secretary confirming either the status and share-holding or remuneration (where applicant is a Director / paid Director of company).

• Copies of last 3 years Income Tax Returns.

Miscellaneous as per Requirement

• For Construction - Bill of Quantity (BOQ) prepared by an Architect.*

• For Renovation / Improvement - Estimate of Renovation. *

• For BTF - Certificate of balance from current lender Bank including the list of title document held.*

• For BTF - Customer’s declaration.*

• Proof of other income (if any) (such as Rent Agreement, Agri. Pass Book, shop ownership etc.).

* Formats may be obtained from nearest branch.

** Documents required to be attested by Pakistan Embassy / Consulate / Notary Public in the respective employment country (For expatriates only). For Pakistani Residents, only original documents should be submitted.

Above are basic minimum requirements, specimens of SBP Prudential Regulation’s requisite standard forms, Bank’s required letters and other information can be obtained from the Home Finance Relationship Officers posted in the branches.