Alfalah Hybrid Home Finance gives you the best of both worlds—a fixed markup rate for the first few years, followed by a variable rate linked to market conditions. This means predictable installments at the start and flexibility later, making it ideal for budgeting in volatile rate environments.
What you get
Lock in your installment amount for a set initial period to protect yourself from rate fluctuations.
Switch to market-linked rates after your fixed term ends, balancing cost efficiency with flexibility.
Available for locals, expatriates, Roshan Apna Ghar customers, and Home Solar Finance clients (T&Cs apply).
Ideal for borrowers seeking easier budgeting during uncertain interest-rate conditions.
Bank Alfalah Hybrid Home Finance offering is subject to availability of funds and for limited period (T&Cs apply).
Attractive fixed rates for the initial certain years, followed by variable pricing based on KIBOR + bank’s margin.
Digital and physical submission options with clear, product-specific requirements for salaried, self-employed, and expatriate customers.
Tailored income, age, and experience thresholds for different customer categories and products.
Financing available in major cities across Pakistan, subject to property eligibility checks.
Salaried Individuals
2 years (Permanent employees)
3–5 years (Contractual employees)
Self-Employed / Businessmen / Others
Salaried:
Self Employed / Businessperson:
Last 1 Year Bank statement
Latest tax returns
Audited financials (if available)
Income estimation (If required)
Expatriate / Non-Resident Pakistanis:
Salaried: Latest salary slips or employment letter (stating date of joining, salary breakup and job status)
Self-employed professional / Businessperson / Others: Valid business proof along with income documents (last tax returns where applicable)
Note: Additional documents will be required considering customer's profile & segment.
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