JS GharApna Home Loans empower you to be a privileged home owner! With JS GharApna,you can buy, build or renovate yourGhar, and let us bring your dreams to life with the most convenient terms and simplest process!

Buy Your Ghar!

Step 1: Find your dream Ghar.

Step 2: Apply for JS GharApna Home Purchase Loan, from as low as Rs. 500,000 to as high as Rs. 100 million.

Step 3: Choose from financing tenure of between 1 and 20 years.

Step 4: Let us take care of the rest.

Build Your Ghar!

Step 1: Find the right plot for your dream Ghar.

Step 2: Apply for JS GharApna home Construction Loan, from as low as Rs. 500,000 to as high as Rs. 100 million (for pre-owned plot, maximum loan limit of Rs. 50 million).

Step 3: Choose from financing tenure of between 1 and 20 years.

Step 4: Let us help construct your visions into reality.

Renovating your Ghar!

Step 1: Plan out the makeover your Gharneeds (including installation of solar panels).

Step 2: Apply for JS GharApna home Renovation Loan, from as low as Rs. 500,000 to as high as Rs. 10 million.

Step 3: Choose from financing tenure of between 1 and 10 years.

Step 4: Breathe new life into your Ghar.

Markup as low as 1-Year KIBOR + 4.25% (Floating Rate)

JS GharApna Home Loan offers the lowest floating markup rate of 1–Year KIBOR + 4.25%, making this the best home loan around.

The rates defined above are based on floating rate. Re-pricing of JS GharApna is conducted on a calendar annual basis.

Financing of up to 80% of Market Value!

Whether you are building, buying or renovating your dream home, with JS GharApna Home Loans you are eligible for maximum financing of up to 80% of the market value of the property.

Balance Transfer Facility

Transfer your existing home loan to JS GharApna Home Loans and reduce your monthly installments by taking advantage of our most competitive markup!. For Balance transfer facility, JS GharApna Home Loans offers an even better floating rate of 1–Year KIBOR + 3%.

Protect your Home

JS GharApna Home Loans is equipped with Home Loan Protector by EFU Life Assurance Limited, which protects your family from the burden of repayment of the home loan in the unfortunate event of your permanent disability or death.

Eligibility

  • Computerized National Identity Card /NICOP
  • Must be a resident of Pakistan/Non Resident Pakistani
  • Income documents (salary slip/account statement)

Apply Now!

Visit your nearest JS Bank branch to start the journey to your own Ghar, with JS GharApna Home Loans.