Government Employees



Due to large number of govt. employees, there is a huge potential for Primary Mortgage Lenders (PMLs) to explore this segment. PMRC has designed special product for refinancing/prefinancing Govt. Employees Portfolio. For a prefinance facility, customers may provide existing mortgage loans portfolio as a temporary security and upon origination of desired portfolio under this category, the old portfolio will be replaced.

Mode of Finance

To cater the Conventional and Islamic financial institutions, both mode of financing is available.

  • Conventional
  • Islamic

Eligibility Criteria

Federal and provincial government employees and armed forces in permanent cadre. Contractual employees will not be eligible to avail financing under this facility.

Mandatory Security Features in Housing Finance Product

Letter/Undertaking from AGPR/DDO/Payroll Officer/Military Accounts Office/Any relevant office holder authorized to disburse employee’s salary, to ensure [FI name] or its assignee having following conditions:

  • It will deduct an amount specified by [FI name] or its assignee from retirement benefits of the Customer at the time of retirement to make balloon payment for adjustment of outstanding loan.
  • It shall keep the employee’s end-service benefits free of loan to the extent of the [FI Name] or its assignee outstanding loan amount.


  • up to 3 Years


  • Base Rate +/- Spread/discount

Repayment Frequency

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