🏦 Bank Financing Options for Commercial Real Estate in Pakistan

While commercial real estate in Pakistan is often purchased through direct investment, bank financing is becoming increasingly common. Here’s what you should know:

Major Banks Offering Commercial Property Loans:

• Meezan Bank (Shariah-compliant options)
• HBL, UBL, MCB (conventional loans)
• Bank Alfalah (business mortgage finance)

Loan Types Available:

• Commercial Mortgage Loans – For buying shops, offices, or plazas.
• Business Expansion Loans – If the property will be used by your own business.
• Builder/Developer Loans – For constructing commercial plazas or warehouses.

Key Requirements:

• Clean credit history and NTN
• 2–3 years of documented income
• Property valuation and title verification
• Minimum 20–30% down payment

Typical Terms:

• Loan tenure: 5–15 years
• Interest rate: 16%–22% (varies)
• Max LTV (Loan to Value): Usually 70–80% of property value

Always compare offers from different banks and consult your tax advisor before committing.