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A Home Loan Facility for Nonresident Pakistanis in the UAE to buy their own home in Pakistan

The Royal Bank of Scotland Limited, formerly ABN AMRO Bank (Pakistan) Ltd. (RBS) now gives all Pakistanis living away from their homeland an opportunity to reconnect to their roots. Our Pakistan Home Finance Facility is being offered to any Pakistani living in the UAE. This initiative has been designed keeping your convenience in mind; so with just a few simple steps you can now own a part of your homeland.

‏     Personalized service Fastest turn around time Maximum loan amount of Rs. 50 Million

Home Finance products being offered are:

• Home Buyer: If you are an non resident Pakistani wishing to purchase a constructed home in Pakistan, this service is tailor-made for you
  

Terms and Conditions:

• Loan Range: PKR 1 million to PKR 50 million
  
• Loan Tenure: 3 to 20 years
  
• Qualifying Age: 25 to 65 years upon loan maturity
  
• Location: If you wish to avail this service, the property of your choice must be located in any of the following cities:
  
• Karachi
• Islamabad  
• Rawalpindi
  
• Lahore
• Faisalabad
  
• Personal Guarantor: One relative based in Pakistan whom RBS reserves the right to verify in order for you to avail this service
• Property Transfer: The property has to be in your name and you should be present in Pakistan at the time of registration
  

Additional Criteria:

• You should be earning a gross monthly salary of atleast AED 16,000 in the UAE
  
• You should have a valid visa for atleast one year (for the respective country), a valid  CNIC or a NICOP
  
• You need to submit a valid and translated work permit or permanent residency status
  
• One personal reference in Pakistan – a blood relative
  

Documentation Required:

Document	Original / Copy*
Loan Application Form**	Original
Valid NICOP / Valid Passport	Copy
2 passport sized photographs	original
Property Title Documents/ Title Deed (s) – at the time of creation of loan ***	Copy
Agreement to Sell ^	Original /Copy
Salary Slip / Salary Certificate****	Original
Professional Association Membership Certificate/ Valid Practice License	Copy
Professional Degree/Certificate	Copy
Letter of Understanding
One personal reference with which customer has blood relation.	Original
Two personal references residing in same country as customer	-
Personal guarantee of a relative/friend based in Pakistan	Original
Remittance account statement
Undertaking stating the customer does not own immovable property	Original

*A copy must be marked original seen by a full time bank employee of the customers local HR department.

**LOU will form part of the application and will be forwarded to the customers.

***Original title documents will only be obtained after all other pre-disbursal checks have been completed. Prior to that, all paperwork may be done on copies.

**** Where only salary certificate is provided, break-up along with deductions should be given.

^ Not required in case the property has not been identified

To find out more about RBS Home Pakistan, please call us at +92-(city code) -111-06-06-06. Alternatively, you can e-mail us at
info@rbs.com.pk