Key Benefits

Key Benefits

  • Reduced Maturity mismatch – Improved ALM.
  • Reduced Market risk – Fixed rate Loans.
  • Long-term/Stable source of funding.
  • Reduced Credit Risk- Improved Affordability of Consumer.
  • Borrowings from PMRC are exempted from maintenance/calculation of CRR/SLR
  • Exemption in general provisioning for portfolio refinancing loans from PMRC.
  • Reduced Risk Weightage for PMRC refinanced mortgages.
  • Exemption from real estate lending limits – more exposure for Housing Finance.
  • PMRC’s funding will increase housing finance portfolio of banks thereby creating long term funding source.
  • Banks can cross sell different products to new customers to increase profitability.
  • Leveraging existing portfolio for additional lending.
  • Prefinance option available to generate mortgage loan portfolio.
  • Specialized products for low and middle income segment with price incentive.
  • Mortgage loans portfolios of Pensioners and Govt. employees can be refinanced.
  • PMRC assistance for capacity building and product innovation.


PMRC issues sukuks to refinance eligible shariah-compliant housing loans


The issuance of these debt securities shall support the growth of the refinance

  • Fax
  • +92(21)35633365
  • Registered Address
  • Finance & Trade Center, 4th Floor, Block-A, Shahrah-e-Faisal, Karachi -74400, Pakistan.