Commercial Bank

NBP SRF Mortgage

Revolving running finance against property you already own — not a purchase mortgage. Up to Rs 7 million, any legitimate purpose.

• Up to Rs 7M
• 50% Max LTV
• Revolving Credit

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Last updated: September 4, 2026

SRF stands for Secured Running Finance, and it's worth understanding upfront that this isn't a home-purchase product like NBP Saibaan. It's a revolving credit facility you secure against residential property you already own, and you can use the funds for essentially any legitimate purpose: business capital, education, medical expenses, whatever you need. This page covers what's confirmed directly from NBP's official SRF Mortgage product features page.

Product Features

All figures confirmed directly from NBP's official SRF Mortgage product features page (nbp.com.pk/SRFMortgage).

Income Requirements

NBP sets minimum income floors by employment segment. Salaried applicants, self-employed business owners, and self-employed professionals are each assessed differently, and the exact threshold for each varies by NBP's current policy. Because this is a revolving facility rather than a fixed instalment loan, NBP's Debt Burden Ratio calculation looks at your total existing obligations against your income, capped at 40%. Confirm the current income floor for your specific employment category directly with an NBP branch, since NBP doesn't publish these thresholds in a single consolidated table.

How This Differs From Saibaan

These two products get confused because both involve a residential property, but they solve different problems. Saibaan finances you to buy, build, or renovate a home; the property is what you're acquiring. This product does the opposite: you already own the property, and you're borrowing against its value for a completely separate purpose. If you're looking to purchase a home, Saibaan is the right product; if you own property outright and need cash for something else, this running finance facility is the one to look at.

Why "Revolving" Matters

Unlike a term loan where you draw the full amount once and repay it down to zero, a revolving facility works more like a credit line: you draw what you need up to your approved limit, repay it, and can draw again without reapplying from scratch, as long as the facility stays renewed. That flexibility is useful if your cash needs come in waves rather than a single lump sum. It also means mark-up accrues only on what you've actually drawn, not your full approved limit — worth factoring in when comparing this against a fixed-instalment loan.

Documents You'll Need

Beyond the standard application form and CNIC, expect to provide property ownership documents, income evidence appropriate to your employment category (salary slips, bank statements, or business financials), and to go through a property valuation, since your approved limit is capped at 50% of what an independent valuer assesses as the forced sale value, not the market price you might quote if selling privately. Existing loan obligations get factored into the DBR calculation too, so gather statements for any other running finance or instalment loans before you apply. It speeds up the assessment considerably.

Good For

• Property owners who want a reusable revolving credit line rather than a one-time loan
• Borrowers who understand how this differs from Saibaan's fixed home-purchase structure
• Those with income and property documentation ready to move through DBR assessment
• Comparing this against NBP's standard Saibaan/AHF home financing calculator

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, National Bank of Pakistan.