🏦 Bank Financing Options for Commercial Real Estate in Pakistan
Markaz
Last Update hace 3 días
While commercial real estate in Pakistan is often purchased through direct investment, bank financing is becoming increasingly common. Here’s what you should know:
Major Banks Offering Commercial Property Loans:
Meezan Bank (Shariah-compliant options)
HBL, UBL, MCB (conventional loans)
Bank Alfalah (business mortgage finance)
Loan Types Available:
Commercial Mortgage Loans – For buying shops, offices, or plazas.
Business Expansion Loans – If the property will be used by your own business.
Builder/Developer Loans – For constructing commercial plazas or warehouses.
Key Requirements:
Clean credit history and NTN
2–3 years of documented income
Property valuation and title verification
Minimum 20–30% down payment
Typical Terms:
Loan tenure: 5–15 years
Interest rate: 16%–22% (varies)
Max LTV (Loan to Value): Usually 70–80% of property value
Always compare offers from different banks and consult your tax advisor before committing.