Middle Income Group

Primary Mortgage Lenders (PMLs) penetration is very low in the middle-income group. To encourage PMLs to concentrate in this segment, better discount rates are offered as compared to Business as Usual (BAU) product. By opting for this product, PMLs are required to generate mortgage loans that meet the eligibility criteria for the middle-income segment. Long term fixed rate facility enables PMLs to generate fixed rate, long term mortgage housing finance loans.

Type of Financing

  • Refinance
  • Prefinance


*Product Criteria

  • Individual Income: Should not exceed PKR 200,000
  • Household Income: Should not exceed PKR 400,000
  • Loan Amount: Should not exceed PKR 20,000,000


Security Structure

Following securities can be considered as collateral for financing:

  • Assignment by way of security of a specific existing Mortgage Loan Portfolio
  • Any other security as may be required by and is acceptable to the Company such as PIBs & T-bills etc. (Alternate Security) in SGLA Account of PMRC.



  • Pre-finance 1 to 3 Years
  • Refinance as per weighted average life of portfolio with repricing at agreed frequency



  • Respective tenor PKRV +/- Spread


Repayment Frequency

  • Quarterly/Half Yearly


* Product Criteria is subject to change.

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