Consumer

Loan
Group Members
αSyed Muhammad Anas (UE-17050)

αNameer Ahmed (UE-17060)

αGhulam Qadir Deewan (UE-17063)

αMuhammad Zeeshan (UE-17064)

What is Consumer Loan?
A consumer loan is any loan or line of credit a consumer receives from a creditor.

Common consumer loans are home mortgages, auto loans, credit cards, personal loans, student
loans, home equity, and HELOC loans.
Types Of Consumer Loan
αHome Mortgage αPersonal Loan

αHome Equity Loan αAuto Loan

αRefinance Loan αStudent Loans

 Financing Facility for Low Cost
Housing for Special Segments
α scope of the scheme

α Eligibility criteria

α Rate
Scope of The Scheme
House Finance under this scheme will be available to individuals under following categories only:
α Widows
α Children of martyrs (Shaheed) of law & enforcement agencies, armed forces and Civilians
martyred in terrorist attacks
α Special persons holding CNIC with disability logo/ symbol
α Transgender and
α Persons who desire to construct (including plot purchase) housing units in the Mohmand, Bajaur,
Orakzai, Kurram, Khyber, North Waziristan and South Waziristan districts of Khyber Pakhtunkhwa
ziristan districts of Khyber Pakhtunkhwa.
 Eligibility Criteria
Individuals in the above categories can avail financing subject to following eligibility criteria / conditions:

α The borrower must not own any residential housing unit /flat / apartment.

α The borrower must not have availed housing finance previously from any bank/DFI.

α The loan shall be available only for construction (including plot purchase) of new housing unit.

α Maximum value of the housing unit, being financed under this scheme, shall be Rs. 3 million
(including plot value).

α Sale or renting out of housing unit, financed under this scheme, shall not be allowed until full
adjustment of outstanding finance or five (5) years after the date of first disbursement or, whichever is
earlier.
Rate
Rate of Refinance Banks Maximum Spread End Users Rate
1% 4% 5%
Conclusion
α Loans are essential to help finance the needs and goals of consumers. And on top of that, it
enables the economy to grow and benefits every individual in return. Because of economic growth,
consumers would be able to improve the standards of living.

α Loans allow for growth in the overall money supply in an economy and open up competition by
lending to new businesses. The interest and fees from loans are a primary source of revenue for
many banks, as well as some retailers through the use of credit facilities and credit cards.
References
α https://www.meezanbank.com/

α https://www.sbp.org.pk/

α https://www.sbp.org.pk/Incen-others/Low.asp
THANKYOU FOR
YOUR PRECIOUS
ATTENTION
T H E E ND !