4/12/2021 Mera Pakistan Mera Ghar - NBP

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Mera Pakistan Mera Ghar List of Required Documents

Advance Salary Documentation Requirement Original /

Karsaz (SME) Copy
(Salaried Segment)
EMV Debit Card
Loan Application Form (LAF) along with CF Undertaking Original
Cash n Gold
Product Disclosure Sheet Original
Kisan Taqat

Kisan Dost Valid CNIC of applicant & Co-partner (where applicable) Copy

2 passport size color Photographs of applicant & Co-partner (where

Original
applicable)

Undertaking for first time homeowner Original

Title Document of the property to be mortgaged Copy

Direct Debit Authority (DDA) & Employer’s certificate mentioning that

payroll account maintenance shall continue with the lending Bank (where Original
applicable)

Proof of Employment (along with length of employment) for

example:

- Employment letter or Original / Copy

- Employment Certificate or

- Any valid documentary evidence from employer

Income Proof document (salary breakup and deductions to be

Formal clearly mentioned) for example:
Sector
Employees - Current Salary Slip or

- Salary Certificate

Note: Original / Copy

-Maximum of 60 days old salary slip may be accepted

-Online / e-salary slips are acceptable with positive

verification

-Original salary slip / e-slip does not require stamp or sign.

In case customer is employed in informal sector, one of the

following documents shall be required to assess customer
based on proxy income or repayment surrogates, for
example:

- Rent Agreement or Copy

Informal
Sector - Rent Payment declaration or Original
Employees
- Utility Bills or Copy

-School Fee Challan or Copy

- Any other valid expense document (as per defined Income

Copy
proxy)

Documentation Requirement Original /

Copy
(Self Employed)

Loan Application Form (LAF) along with CF Undertaking Original

Product Disclosure Sheet Original

Valid CNIC of both applicant & Co-partner (where applicable) Copy

2 passport size colour Photographs of applicant & Co-partner (where

Original
applicable)

Direct Debit Authority (DDA) (where applicable) Original

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4/12/2021 Mera Pakistan Mera Ghar - NBP
Undertaking for first time homeowner Original

Title Document of the property to be mortgaged Copy

Proof of Business (stating ownership and length of business) for

example:

Partnership Deed or Copy

Bank Certificate for Sole Proprietor / Partnership or Original

NTN Certificate or Copy

Rent agreement of office or Copy

Formal Professional Degree / Diploma &/OR Valid Membership of

Sector Copy
applicable Professional body or
Self
Employed
Any other valid acceptable business document verifiable from Copy /
authority fulfilling minimum business tenor requirement. Original

Income assessment document

- Account Maintenance Letter along with last 6 months Bank

Statement
Original
Notes:

-Maximum of 60 days Bank statement may be accepted

-Original Bank statement with bank stamp

In case customer is employed in informal sector, one of the

following documents shall be required to assess customer
based on proxy income or repayment surrogates, for example:

Rent Agreement or Copy

Informal
Sector Rent Payment declaration or Original
Self
Employed Utility Bills or Copy

School Fee Challan or Copy

Any other valid expense document (as per defined Income

Copy
proxy)

Documents for Bank’s Internal Use Original / Copy

Income Estimation / Repayment calculation sheet as per applicable proxy

Original
/ surrogate

Bureau Reports Original

Residence / Workplace / Document Verification Report including collateral

Original
verification

World Check & NACTA Checks

NADRA Verysis Original

Property Appraisal Report Original

Preliminary Legal Opinion Original

Final Legal Opinion Original

Property Insurance-Mandatory Original

Mortgage Life Insurance-Mandatory Original

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