Faysal Bank Limited is Pakistan’s most reliable Islamic banking organization with a plethora of Shariah-compliant financial solutions to cater to your needs. Whether you want to purchase your dream home or require capital to expand your business, Faysal Bank has specialized financing alternatives that address your own needs — while remaining true to the principles of Islamic banking.
In this article, we will discuss the Faysal Bank Home Loan and Business Loan schemes offered in 2025, such as eligibility, features, documents needed, and how to apply.
Faysal Bank Home Loan – 2025
Faysal Bank provides “Faysal Islamic Home Finance”, a Shariah-compliant housing finance product under the Diminishing Musharakah model. Under this model, you can own your home step by step through monthly installments.
Faysal Bank Key Features
Loan Amount: Up to PKR 75 Million- Repayment Term: 3 to 25 years
Type of Financing: Shariah-compliant (Diminishing Musharakah)
Financing Purpose:
Acquisition of a new house/apartment
Development on a piece of land
Refurbishment of a home
Balance transfer from a conventional bank
Markup Rate: Competitive Islamic profit rates (vary as a function of KIBOR and customer profile)
Early Payment Facility: Facilitated with minimal or no penalty
Faysal Bank Eligibility Conditions
Age: 25 to 60 years (salaried), up to 65 years (self-employed/businessmen)
Minimum Income:
Salaried: PKR 50,000/month
Self-Employed: PKR 75,000/month
Employment Stability:
Salaried: At least 2 years of employment history
Self-employed: Minimum 3 years in business
Faysal Bank Documents Required
CNIC (Computerized National Identity Card)
Salary slips or proof of business income
Bank statements (recently 6–12 months)
Documents of Property (sale agreement, allotment letter, etc.)
Photographs
Employer/Business verification letter (if required)
How to Apply Faysal Bank Loan
Go to your local Faysal Bank branch
Complete the Home Finance application form
Provide the documents required
Bank will verify and process the application within 2–3 weeks
Faysal Bank Business Loan – 2025
Faysal Bank offers business financing under “Faysal Islamic Business Finance” to small and medium enterprises (SMEs) and self-employed persons. The loan is designed under Islamic financing modes like Murabaha, Musharaka, and Ijara based on the type of business.
Key Features:
Amount of Loan: From PKR 500,000 to PKR 50 Million
Object of Loan:
Working capital
Business expansion
Acquisition of equipment or machinery
Trade finance
Repayment Period: 1 to 5 years
Shariah-compliant Financing: No Riba (interest); all transactions are asset-backed
Collateral Requirement:
May differ based on loan amount and nature of business
Can be cash, property, or business assets
Faysal Bank business Loan Eligibility Criteria
Business Age: Minimum 2 years in business
Annual Turnover: Minimum PKR 1.5 Million
Valid NTN and Business Registration (if applicable)
Good credit history
Faysal Bank Business Loan Required Documents
CNIC of business owner(s)
Business registration certificate (if applicable)
NTN (National Tax Number)
Bank statements (last 12 months)
Business income documents (profit & loss statement, audit report, etc.)
Tax returns (previous 2 years)
Business premises documents (ownership/lease)
How to Apply
Go to your local Faysal Bank branch or SME banking center
Speak with a relationship manager about your funding needs
Fill out your application and submit supporting documents
Application review takes approximately 2–4 weeks
Why Choose Faysal Bank?
100% Islamic Banking (Riba-free)- Transparent processes
- Extensive network of Pakistan branches
- Personalized customer service
- Competitive profit rates and flexible terms
Contact Faysal Bank
Website: www.faysalbank.com
Helpline: 111-06-06-06
Visit: Nearest Faysal Bank branch
