A UNIQUE SOCIAL IMPACT INVESTMENT

We see Trellis’ social impact beyond simple home financing solutions. We believe that providing access to housing helps pull customers out of poverty and transforms their lives for the better.

Naya Pakistan Product Parameters
The following are the Product Parameters:

ProductNPKT-T0NPKT-T1NPKT-T2NPKT-T3
StatusNewNewNewNew
Financing Purpose
  • Construction Only (existing plot)
  • Plot & Construction
  • Renovation - Extension/Expansion
  • Purchase (constructed within 1 year in 2023)
  • Construction Only (existing plot)
  • Plot & Construction
  • Renovation - Extension/Expansion
  • Purchase (constructed within 1 year)
  • Construction Only (existing plot)
  • Plot & Construction
  • Renovation - Extension/Expansion
  • Purchase (constructed within 1 year in 2023)
  • Construction Only (existing plot)
  • Plot & Construction
  • Renovation - Extension/Expansion
  • Purchase (constructed within 1 year in 2023)
Minimum Tenor (Yrs.)5555
Maximum Tenor (Yrs.)20202020
Minimum Financing Size (PKR)----
Maximum Financing Size (PKR)2,000,0002,700,0006,000,00010,000,000
Maximum Price of housing unit (PKR)-3,500,000--
Size of housing unit
  • House: 125 sq yd (5 Marla)
  • Flat/Apartment: 1,250 sq ft
  • House: 125 sq yd (5 Marla) with max 850 sq ft covered area
  • Flat/Apartment: 850 sq ft
  • House: 125 sq yd (5 Marla)
  • Flat/Apartment: 1,250 sq ft
  • House: 250 sq yd (10 Marla)
  • Flat/Apartment: 2,000 sq ft
Fixed-Rate schedule (per year)
  • 5% first 5 years
  • 7% next 5 years
  • KIBOR(1Y) + 4% thereafter
  • 3% first 5 years
  • 5% next 5 years
  • KIBOR(1Y) + 4% thereafter
  • 5% first 5 years
  • 7% next 5 years
  • KIBOR(1Y) + 4% thereafter
  • 7% first 5 years
  • 9% next 5 years
  • KIBOR(1Y) + 4% thereafter
Financing RatiosMax 90% Standard 85% (for construction only)Max 90% Standard 85% (for construction only)Max 90% Standard 85% (for construction only)Max 85% Standard 80% (for construction only)
Minimum Net Income (Household) PKR----
Maximum Net Income (Household) PKR----
Maximum number of co-borrowers (for income clubbing)3333
Employment Types
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
Employment SectorsAll except for Bank StaffAll except for Bank StaffAll except for Bank StaffAll except for Bank Staff
Minimum Age (years)23232323
Maximum Age (at maturity of loan)65656565
NAPHDA projects only?NoYesNoNo
Legal FrameworkEquitable Mortgage or Registered MortgageEquitable Mortgage or Registered MortgageEquitable Mortgage or Registered MortgageEquitable Mortgage or Registered Mortgage
First time home-owner onlyYesYesYesYes
Only 1 loan per family?YesYesYesYes
Additional DeclarationsNo onward sale for 5 yearsNo onward sale for 5 yearsNo onward sale for 5 yearsNo onward sale for 5 years