Most banks require 15-20% down payment as a minimum. However, some special schemes like HBFC's Ghar Sahulat Scheme may accept as low as 10% down payment for eligible applicants. The exact percentage depends on:

• Your income level and employment status
• The specific bank and loan product chosen
• Property location and type
• Your credit history and relationship with the bank

Yes, most major banks in Pakistan offer special home loan schemes for overseas Pakistanis with more flexible terms:

• HBFC Overseas Pakistani Scheme - Special rates and terms
• Flexible documentation requirements
• Foreign currency income consideration
• Remote application processes available
• Higher loan-to-value ratios in some cases

The maximum loan amount varies by bank but typically ranges from 80-90% of the property value, subject to income verification:

• HBFC - Up to PKR 15 million for some schemes
• Commercial Banks - Usually 5-6 times your monthly income
• Islamic Banks - Similar to commercial banks with Shariah compliance
• Income Multiple - Generally 40-50 times your monthly salary

The approval process generally takes 2-4 weeks, depending on several factors:

• Documentation completeness - Complete docs speed up the process
• Property verification - Legal and technical evaluation
• Credit history check - Through credit bureaus
• Income verification - Salary and employment confirmation
• Bank's internal processes - Some banks are faster than others

Standard documents required include:

• Identity Documents - CNIC, passport, family registration
• Income Proof - Salary certificates, bank statements (6-12 months)
• Employment - Job confirmation letter, experience certificates
• Property Documents - Sale agreement, property title, NOC
• Financial - Income tax returns, existing loan statements
• Additional - Property valuation report, insurance documents

Key differences between Islamic and conventional financing:

• Islamic Financing - Based on profit-sharing, no interest (riba)
• Conventional Loans - Interest-based lending system
• Ownership Structure - Islamic uses diminishing musharaka (joint ownership)
• Shariah Compliance - Islamic financing follows religious principles
• Cost - Both may have similar overall costs but different structures