Provincial Government Bank

Bank of Khyber Home Loan (BOK Suhana Ghar)

Part of PakFinHub's BOK coverage — see the full bank overview.

Purchase, Build, or Renovate
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Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Important — conventional mode discontinued: BOK's own product page states that consumer loans under the conventional mode have been discontinued, as the bank is transitioning into a fully-fledged Islamic bank. BOK Suhana Ghar is now accessed through BOK's Islamic banking arm — officially rebranded Raast Home Musharakah — not as a conventional interest-based loan. Confirm the current mode and contract structure with a BOK Islamic branch before applying — this page's calculator below reflects the bank's published markup formula for planning purposes, not a guarantee of conventional terms. See how the profit-and-loss-sharing structure works on our Raast Islamic Banking guide.

Looking for a Bank of Khyber home loan? BOK's product for home purchase, construction, and renovation is BOK Suhana Ghar — now issued exclusively in Islamic mode as Raast Home Musharakah, a diminishing-musharakah (co-ownership) structure, under BOK's Islamic banking arm. A quick correction worth flagging: despite the similar-sounding name, BOK Roshan Ghar Scheme is not a property-purchase loan — it's BOK's financing product for home solar energy systems, unrelated to buying or building a house. This guide covers Suhana Ghar / Raast Home Musharakah specifically, using BOK's own published financing limits and rate formula rather than generic estimates.

Bank of Khyber Home Financing Products

BOK Suhana Ghar (now Raast Home Musharakah)

Purchase & construction financing up to 75% of cost (max PKR 60 million); renovation up to 75% of cost (max PKR 15 million). Purchase/construction tenure 5–20 years. Issued as a diminishing musharakah under BOK's Raast Islamic banking arm.

BOK Roshan Ghar Scheme (solar energy, not property)

Financing for a home solar energy system through BOK-approved vendors — up to PKR 500,000 (Category A, unsecured) or above PKR 500,000 with security (Category B), 6 months to 7 years tenure. Not a home-purchase or construction loan.

Product names, financing limits, and tenure confirmed directly from BOK's official BOK Suhana Ghar and BOK Roshan Ghar Scheme product pages (bok.com.pk/personal-banking/consumer-finance/) and BOK's Islamic banking navigation (bok.com.pk/islamic/personal-banking/consumer-finance/raast-home-musharakah). Last verified: September 2026.

BOK Suhana Ghar Financing Calculator

Uses BOK's own published formula — 1-Year KIBOR plus a spread of 2% to 5% depending on your risk rating — rather than a generic guessed rate, and checks your numbers against BOK's actual 75%-of-cost financing cap. This is still an illustrative planning estimate, not a loan offer or approval; confirm your exact risk-rated spread with BOK before applying.

Property Cost (PKR)

Financing Requested (PKR)

1-Year KIBOR (%)

Your Spread — Risk Rating (2%–5%)

Tenure (Years, 5–20)

Rate formula (1-Year KIBOR + 2%–5% spread), 75% max financing-to-cost, and 5–20 year purchase/construction tenure sourced from BOK's official Suhana Ghar page. 1-Year KIBOR default of 12.17% reflects the SBP-published offer fixing as of September 1, 2026 (via State Bank of Pakistan EasyData) — KIBOR moves regularly, so replace it with the current published rate before relying on this estimate. Max financing PKR 60 million (purchase/construction) or PKR 15 million (renovation).

Eligibility & Documents

Requirement	Detail
Age (salaried)	22 to 55 years
Age (businessman/self-employed)	22 to 60 years
Max financing (purchase/construction)	75% of cost, up to PKR 60 million
Max financing (renovation)	75% of cost, up to PKR 15 million
Employment	Salaried government/semi-government/autonomous body/multinational employees, or self-employed professionals and businessmen with documented income
Property	Clear title, verified through BOK's legal and technical evaluation process
Documents	CNIC, income proof, property documents, and a bank valuation report

Age limits and financing caps sourced directly from BOK's official BOK Suhana Ghar product page (bok.com.pk). Last verified: September 2026.

Purchase, Construction, or Renovation: Which Applies

BOK Suhana Ghar's structure differs slightly depending on what you're financing: a straight purchase is disbursed largely as a lump sum against the seller, construction financing is typically released in tranches tied to verified construction milestones, and renovation financing follows a similar staged-disbursement logic scaled to the smaller project size. For construction financing, budget extra time for BOK's technical team to inspect progress before releasing each tranche — that step doesn't apply to a straightforward purchase.

Fees & Charges

BOK's published home financing charges from its Schedule of Bank Charges, Conventional Branches, effective July–December 2026, for BOK Suhana Ghar (general purchase/construction/renovation).

Charge (BOK Suhana Ghar / Housing Loan)	Amount
Processing charges	0.10% of facility amount, minimum Rs 500
Lawyer fee	Actual
Property evaluation charges	Actual
Early termination (within 5 years)	Rs 50,000 + FED
Partial/balloon payment (within 5 years)	Rs 20,000 + FED
Late payment — instalment up to Rs 100,000	Rs 2,000 + FED
Late payment — instalment above Rs 100,000	Rs 5,000 + FED
Dishonoured instalment cheque	Rs 500 flat per presentation

Source: Bank of Khyber Schedule of Bank Charges, Conventional Branches, July–December 2026. FED applies on top of these amounts where noted. Charges may change with BOK's next schedule update — confirm current rates before signing. Last verified: August 2026.

Frequently Asked Questions

Is BOK Suhana Ghar still available as a conventional loan?

No. BOK's own product page states conventional-mode consumer loans have been discontinued as the bank transitions to a fully-fledged Islamic bank. Suhana Ghar is now accessed through BOK's Islamic banking arm — confirm the current contract structure with an Islamic branch before applying.

What is Raast Home Musharakah?

Raast Home Musharakah is the official product name BOK now uses for its Islamic home financing under its Raast Islamic banking brand, structured as a diminishing musharakah (co-ownership) arrangement rather than an interest-based loan — it's the current Islamic-mode successor to the legacy Suhana Ghar name.

How much can I borrow with BOK Suhana Ghar?

Up to 75% of property cost for purchase or construction, capped at PKR 60 million, or up to 75% of cost for renovation, capped at PKR 15 million, per BOK's published terms.

Is BOK Roshan Ghar Scheme a home purchase loan?

No — despite the similar name, BOK Roshan Ghar Scheme finances home solar energy systems, not property purchase or construction. It offers up to PKR 500,000 unsecured (Category A) or larger secured amounts (Category B), over 6 months to 7 years, for buying a solar system from a BOK-approved vendor.

A BOK Home Loan for construction moves at a different pace than one for outright purchase. Tranche-based disbursement tied to verified progress takes longer than a single lump-sum payout — factor that timeline into any move-in date you're planning around.

Ask upfront how BOK's technical evaluation team schedules site visits for construction-linked disbursements in your specific city. Turnaround times for tranche releases vary meaningfully between a major urban center and a smaller town, and that gap affects how quickly a build can actually progress.

If you're already a BOK customer elsewhere, ask about refinancing an existing home loan from another bank into BOK — some banks offer preferential terms to existing relationship holders. Terms vary enough by policy and timing that it warrants a direct conversation with a branch officer rather than an assumption.

Good For

Estimating your monthly home loan instalment before applying
Understanding BOK's purchase, construction, and renovation financing
Knowing what documents a branch will ask for
Clarifying that Roshan Ghar Scheme is solar financing, not a property loan

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Verify current rates, offers, and terms directly with BOK before you apply.

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