Eligibility & Important Documents

Following list will be applicable for regular HM customers applying under Product A and B. For GMSS, same list of documents will be applicable as defined in GMSS product scheme.

Non-Lien Based

Salaried Individual

• Duly filled application form
• Applicant’s copy of NICOP
• Copy of Co-Applicant’s CNIC/NICOP
• Two passport-sized coloured photographs of applicant and co-applicant(s) each
• Employer’s certificate including tenor/designation/remuneration details
• Employment Contract (if applicable)
• Last three-month salary slip
• Copy of Passport (if applicable/optional)
• Copy of Visa / Work permit / Residence Permit (Iqama etc.)
• Copy of Professional Association Membership Certificate / Practice License (if applicable)
• Bank Statement – last 12 months (Original OR duly attested by the bank with stamp / notary public through embassy)
• Copies/details of any financing facility being availed in the country of employment or in Pakistan
• Copies of educational qualification degree/certificates
• Copy of Rental Documents (if applicable)
• Copy of recent Credit Card Bills (if applicable)
• Copies of last 2 years tax documents where applicable
• Credit Bureau Report of stay country

Non-Salaried Individual

• Duly filled application form
• Applicant’s copy of NICOP
• Copy of Co-Applicant’s CNIC/NICOP
• Two passport-sized coloured photographs of applicant and co-applicant(s) each
• Valid Business Proof
• Copy of Passport (if applicable/optional)
• Copy of Visa / Work permit / Residence Permit (Iqama etc.)
• Bank Statement – last 12 months (Original OR duly attested by the bank with stamp / notary public through embassy)
• Copies/details of any financing facility being availed in the country of employment or in Pakistan
• Copies of educational qualification degree/certificates
• Copy of Rental Documents (if applicable)
• Copy of recent Credit Card Bills (if applicable)
• Copies of last 2 years tax documents where applicable
• Credit Bureau Report of stay country

Lien Based

• Digital finance application (Please click “Apply Now” at bottom of this page)
• Copy of Co-Applicant’s CNIC/NICOP
• Scan copy coloured photographs of applicant and co-applicant(s) each
• Valid proof of income documents