TRELLIS HOUSING FINANCE LIMITED

Trellis Housing Finance Limited is committed to providing home financing to low and middle income households though our flagship, GharHo programme.

Our Product Offering

Trellis Housing Finance Limited is committed to providing Islamic home financing to low and middle-income households though our flagship, GharHo program. Under the umbrella of GharHo, THFL has introduced three different types of financing options, that are based on the Islamic Finance principles of Diminishing Musharakah (joint ownership).

Special Product Features:

  • Shairah Compliant Product
  • Balloon Payments and Full repayment allowed after completing 1 Year.
  • Ability to add 01 Co-borrower.
  • Financing can be used to purchase a property for investment purposes (i.e. You can rent out the property)

GharLo

Product Details: Islamic Home Financing to assist in purchase of a house.

Nationality / Residency Requirements: All citizens residing in Pakistan and holding a valid CNIC (not expired)

Minimum Financing Amount: PKR 500,000 (5 Lakhs)

Maximum Financing Amount: PKR  30,000,000 (3 Crores)

Maximum Trellis Contribution: 80%

Minimum Customer Contribution: 15%

Income Requirements (Monthly):

Minimum: PKR 20,000

Maximum: No Limit

Age Requirements:

Minimum: 25 years

Maximum: 60 years

Minimum Loan Tenor: 5 years

Maximum Loan Tenor: 25 years

GharBanao

Product Details: Islamic Home Financing to assist in buying a plot and construct on it or just construct on your own plot.

Nationality / Residency Requirements: All citizens residing in Pakistan and holding a valid CNIC (not expired)

Minimum Financing Amount: PKR 500,000 (5 Lakhs)

Maximum Financing Amount: PKR 30,000,000 (3 Crores)

Maximum Trellis Contribution: 85%

Minimum Customer Contribution: 20%

Income Requirements (Monthly):

Minimum: PKR 20,000

Maximum: No Limit

Age Requirements:

Minimum: 23 years

Maximum: 60 years

Minimum Loan Tenor: 5 years

Maximum Loan Tenor: 25 years

GharSahi

Product Details: Islamic Home financing to assist in the renovation and extension of a property, already in liveable condition.

Nationality / Residency Requirements: All citizens residing in Pakistan and holding a valid CNIC (not expired)

Minimum Financing Amount: PKR 500,000 (5 Lakhs)

Maximum Financing Amount:  PKR 30,000,000 (3 Crores)

Maximum Trellis Contribution: 80%

Minimum Customer Contribution: 20%

Income Requirements (Monthly):

Minimum: PKR 20,000

Maximum: No Limit

Age Requirements:

Minimum 23 years

Maximum 60 years

Minimum Loan Tenor: 5 years

Maximum Loan Tenor: 25 years