Samba Bank Home Loan
Samba Home Loan finances up to 75% of a property's value over tenures of 2–20 years, at markup rates around 1-Year KIBOR plus 3.00%–5.00%. Applicants must be at least 30 years old, and Non-Resident Pakistanis can apply with a resident Pakistani co-borrower.
How Samba Home Loan pricing, eligibility, and financing limits actually work, sourced directly from Samba Bank's own product page.
- 1Y-KIBOR + 3.00–5.00%
- Up to 75% of Property Value
- Tenure: 2–20 Years
Samba Home Loan finances the purchase, construction, or renovation of a home up to 75% of the property's value — if you need funds for something other than property, compare it with the Samba Personal Loan, priced off a 1-Year KIBOR benchmark. It's open to both resident Pakistanis and eligible Non-Resident Pakistanis, each with its own income threshold.
For independent verification, see Samba Bank Limited, State Bank of Pakistan, Pakistan Stock Exchange.
Samba Home Loan at a Glance
- Markup Rate
- 1Y-KIBOR + 3.00–5.00%
- Financing Limit
- Up to 75% of property value
- Tenure
- 2 – 20 years
- Minimum Age
- 30 years at application
Where you land within the 1Y-KIBOR + 3.00–5.00% range comes down to Samba Bank's risk assessment of your specific application.
Confirmed from Samba Bank's official Samba Home Loan product page.
Make sure you're on Samba Bank Pakistan's actual home loan, not a different Samba entity. Samba's Saudi Arabia and UAE operations offer their own, separate home/mortgage financing products with different currencies and eligibility. This page covers Samba Bank Limited, the Pakistani commercial bank, in PKR only.
Also watch for outdated ownership figures. Some third-party bank-directory sites still describe Samba Bank as owned by "Samba Financial Group of Saudi Arabia" holding an "84.51% stake" — that's the bank's pre-2021 ownership structure. Samba Financial Group merged into Saudi National Bank in 2021, and SNB is now the actual majority shareholder; see the Ownership & Company Profile page for the current, sourced structure.
Who Is Eligible for Samba Home Loan as a Resident Pakistani?
| Requirement | Detail |
|---|---|
| Age at application | 30 years or more |
| Age at maturity | 60 years or retirement age, whichever is lower (70 years for self-employed individuals) |
| Minimum income — salaried | Rs 100,000/month |
| Minimum income — self-employed | Rs 500,000/month |
Eligibility for Non-Resident Pakistanis
| Requirement | Detail |
|---|---|
| Minimum income — salaried | USD 3,500/month or equivalent |
| Minimum income — self-employed | USD 5,000/month or equivalent |
| Co-borrower requirement | Must apply with a co-borrower who is a resident Pakistani |
Confirmed from Samba Bank's official Samba Home Loan eligibility documentation. Requirements are indicative minimums and may vary by profile, credit history, and property type.
Government Housing Schemes Through Samba Bank
Samba Bank's Schedule of Charges for July–December 2026 also carries two government-backed housing finance schemes with waived fees, each following the standard Samba Home Loan (New Portfolio) structure for everything else.
| Scheme | Processing Fee | Early Termination Charges |
|---|---|---|
| Mera Pakistan, Mera Ghar | Nil | Nil |
| Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna | Nil | Nil |
Confirmed from Samba Bank's official Schedule of Bank Charges, July–December 2026.
How Do I Apply for Samba Home Loan?
To apply, call Samba Phone Banking on the toll-free number 0800-SAMBA (72622) or the UAN +92 21 11 11 SAMBA (72622), or walk into a branch. Every application remains subject to Samba Bank's internal credit policy and applicable State Bank of Pakistan regulations.
Good For
- Understanding Samba Home Loan's markup structure before applying
- Checking whether your income qualifies as a resident or overseas Pakistani
- Knowing the maximum financing percentage and tenure available
- Getting the correct contact channel to start an application
- Knowing about the fee-free Mera Pakistan Mera Ghar and Wazir-e-Azam Apna Ghar schemes
Ready to explore Samba Home Loan?
Confirm your exact eligibility and rate directly with Samba Bank.
More on Samba Bank
Bank Overview
Ownership, leadership, and key facts.
Bank Profile (Quick Reference)
One-page snapshot of key stats and contacts.
Branch & ATM Locator
Network size and official locator.
Careers
Where Samba Bank actually posts jobs.
Helpline & Complaints
Contact numbers and escalation path.
Ownership & Company Profile
Saudi National Bank stake and history.
Share Price & Financial Results
PSX listing, CY2025 results, and ratios.
ATM Network
ATM access, charges, and card issues.
Personal Loan & EMI Calculator
Samba Personal Loan rates and a free calculator.
Auto Loan & EMI Calculator
Samba Auto Loan rates and a free calculator.
Digital & Online Banking
SambaSmart app, Samba Online, and Samba Phone.
Cards & Discounts
Debit card lineup and merchant acceptance.
Rates & Accounts
Deposit accounts and profit structure.
IBAN & SWIFT Code
Generate your IBAN, find the SWIFT code.
Bank Timings
Weekday, Friday, and Saturday hours.
Home Loan
Home financing structure and markup rates.
Similar Banks
Samba Home Loan FAQs
What is Samba Bank's home loan markup rate?
1-Year KIBOR + 3.00–5.00%, depending on Samba Bank's risk assessment of the applicant.
How much of my property can Samba Home Loan finance?
Up to 75% of the property's value, over a 2–20 year tenure.
Can Non-Resident Pakistanis apply?
Yes, with a resident Pakistani co-borrower and a minimum income of USD 3,500 (salaried) or USD 5,000 (self-employed) per month.
Who currently owns Samba Bank Limited?
Saudi National Bank, since the 2021 merger. Some sites still cite the older "Samba Financial Group" name and stake figure — that's outdated.
Official Sources & Last Verified
Rates, eligibility, and the two government housing schemes are confirmed from Samba Bank's official Home Loan page and its Schedule of Charges, July–December 2026. Last verified: September 4, 2026.