If you have always dreamt of having, a home of your own, now is the time to make your dreams a reality with HABIBMETRO Home Finance. You can now avail HABIBMETRO Home Finance to buy, build, or renovate a house through our affordable and flexible financing options.

Everyone dreams of having a home of their home. If the home is built in compliance with the principles of Shariah, it is an abode of not only peace and comfort but also the blessings of the Almighty.

Musharakah in Islamic banking is in itself a blessing for those who aspire to build a home but do not have sufficient resources to realise their dreams. The Shariah-compliant SIRAT Housing Finance is a leading provider of interest-free home finance solutions in Pakistan.

Islamic home finance is based on the principle of Musharakah which means sharing or partnership.

Diminishing Musharakah

Diminishing Musharakah is a product where the bank and the customer jointly purchase the house and the bank rents out its proportionate share in the house to the customer. Simultaneously, through proper sale and purchase.

Musharakah can be applied to various financial operations such as purchases, investment projects and real estate transactions. SIRAT Housing Finance practices Diminishing Musharakah to help customers undertake real estate transactions.

Shariah-based home finance solutions are based on the concept of co-ownership. The customer does not borrow any money from the bank, but becomes a co-owner of the property being constructed, purchased or renovated.

Diminishing Musharakah is a process in which the ownership of the property is transferred to the customer over a fixed period of time. The bank purchases the property with the partnership of the customer. As the customer’s share in the property increases, their monthly payment is reduced subsequently. When the customer has paid all the installments, he becomes the sole owner of the property.

HABIBMETRO SIRAT offers you home financing solutions at the friendliest of payment terms so that you can buy, build or renovate your house with ease. The installment plan is flexible which means you can have the installments arranged as per your convenience.

If you have plans of building a home of your own but do not have sufficient funds to realise them, . It’s only a matter of time before you have your own house.

Product Offerings

HABIBMETRO Home Finance is offering four product variants:

  • Home Purchase: This type of facility allows you for the purchase of the constructed property.
  • Home Builder/ Plot + Construction: This type of facility is extended to customers who already own land / want to purchase a piece of land and need funds to meet the cost of constructing the property.
  • Home Renovation: This facility is being offered to customers who already own a house and require funds for renovations.
  • BTF (Transfer existing home finance facility): This type of facility allows you to transfer your existing home finance facility from any other bank to HABIBMETRO.

Customer Eligibility Criteria

Particulars Details
Minimum Age of Borrower 27 Years
Maximum Age till Maturity of Loan 60 Years (Salaried)
65 years (SEB/SEP)
Minimum Salary /Income PKR 75,000/- (Permanent)
PKR 100,000/- (Contractual)
Average Balance of PKR 100,000/- per month (SEB/SEP)
Loan Tenure Minimum 1 Year & Maximum 25 Years
Length of Employment/ Business Minimum 2 Years
Finance Amount Minimum PKR 500,000 and Maximum PKR 100 Million

Key Features:


  • Low mark-up rates
  • Low processing fee
  • Flexible installment plan
  • Minimum documentation
  • Financing up to 80% of your property value
  • Affordable and competitive monthly installments

Minimum Documentation:


  • Filled out application form
  • CNIC copy of the applicant
  • Proof of income documents
  • Copies of property documents/details of property

For more details, please call HABIBMETRO Contact Center at 111-1-HABIB(42242) or talk to our branch representative by visiting your nearest HABIBMETRO branch.


  • What is Islamic home finance?

Islamic home finance refers to a financing system that adheres to Islamic principles, which prohibit the payment or acceptance of interest.

  • What is diminishing musharakah?

Diminishing musharakah is a structure used in Islamic banking, where the bank and the customer jointly own property. The customer gradually buys out the bank’s share over time until he becomes the sole owner.

  • Are interest-free loans available in Pakistan for home financing?

Yes, interest-free loans for homes are available in Pakistan through HABIBMETRO Sirat, the bank offers shariah-compliant financing options.

  • Is there a concept of interest-free home finance?

Yes, interest-free home finance is based on the principles of shariah and is provided by Islamic banks and financial institutions around the world, including HABIBMETRO Sirat in Pakistan.