Home ownership is a dream for most, and Meezan Bank — Pakistan’s first and largest Islamic bank — provides a Shariah-compliant solution to achieve this dream. In 2025, Meezan Bank leads the way once again with its Easy Home financing facility, purpose-built for those looking at Islamic home financing.
This article will walk you through all you need to know about how to obtain a house loan from Meezan Bank in 2025.
What is Meezan Easy Home?
Meezan Easy Home is founded on the Diminishing Musharakah model — a Shariah-compliant method of co-owning a property with the bank in which the bank’s share diminishes over time as you pay monthly installments.
Eligibility Criteria
Prior to applying, you must ensure you qualify as follows:
Age: 25 to 65 years (at maturity)
Type of Employment:
Salaried employee (minimum 2 years of work experience)
Self-employed/businessman (minimum 3 years of business continuity)
Minimum Monthly Income:
Salaried: PKR 40,000+
Businessman: PKR 75,000+
Nationality: Pakistani national (residents or NRPs)
Credit History: Should have a good credit history with eCIB (State Bank)
Types of House Financing Provided by Meezan Bank
You may apply for Meezan Easy Home for the following reasons:- Home Purchase – For purchase of a new or second-hand house/apartment
- Home Construction – For building a house on your own land
- Home Renovation – For major repair or upgradation of your existing home
Balance Transfer Facility (BTF) – Avail of a restructuring facility against your existing conventional home loan with us and switch over to Meezan Bank’s Islamic alternative
Documents Required
Following is the list of documents generally required:
For Salaried Individuals:
CNIC copy
Recent salary slips (latest 3 months)
Employment certificate
Bank statement (latest 6 months)
Property documents (title deed, approved map, etc.)
For Self-Employed/Business Owners:
CNIC copy
NTN and tax returns (if any)
Business registration documents
Bank statement (latest 12 months)
Property documents
Application Process (Step-by-Step)
Initial Inquiry:
Head to your nearest Meezan Bank branch or apply online via their official website.
Document Submission:
Submit the full set of mandatory documents according to your type of employment.
Income and Credit Assessment:
Meezan Bank assesses your income, credit score (through SBP eCIB), and repayment ability.
Property Valuation & Legal Check:
The bank performs a physical and legal valuation of the chosen property.
Approval & Offer Letter:
Once approved, you get a formal offer from the bank with the terms.
Agreement Signing:
Agreement signed by both parties on the Diminishing Musharakah.
Disbursement:
Disbursed to the seller or contractor (not to the customer).
Why Choose Meezan Bank for Home Financing?
100% Shariah-compliant finance- Competitive profit rate
- No processing during construction period
Diverse payment options such as early settlement or partial payments without charging any penalty
Open and fair finance process
How to Apply?
You may apply through any of the ways mentioned below:
Take a visit to a Meezan Bank branch
Call their 24/7 Helpline: 111-331-331
Apply Online: www.meezanbank.com
