GharHo Application Process
Please note that we do not accept cash or cheque. The fees listed below are payable to Trellis Housing Finance Limited except for the legal and Stamp Paper fees which should be paid directly to the legal firm/verifying agents.
Click Here To Download Schedule Of Charges
| Description | For Purchase | For Construction/ Renovation |
|---|---|---|
|
General Processing Fees |
PKR 3,000 |
PKR 3,000 |
|
Home and Neighborhood / External Verification |
PKR 3,500 |
PKR 3,500 |
|
Property Valuation |
PKR 5,000 |
PKR 5,000 |
|
Income Estimation and Verification |
Salaried PKR 2,000 Non-Salaried PKR 5,000 |
Salaried PKR 2,000 Non-Salaried PKR 5,000 |
|
Legal Fees |
At Actual |
At Actual |
|
BOQ Verification |
- |
PKR 2,000 |
|
Construction Verification |
- |
PKR 1,500 (per visit) |
|
Stamp Paper |
At Actual |
At Actual |
Stamp Paper Fees: These are dependent on the amount of financing you are availing and the province you are residing in. These will be collected prior to printing of the financing agreements.
Legal Fees: Fees vary by province and these fees are to be paid directly to the lawyers which are on the Legal Panel. Trellis will require a Legal Stage 1 and Stage 2 opinion. These opinions provided by the lawyer will outline the list of documents and processes that need to be completed by the client in order to finance and mortgage the property. All fees and associated costs are to be borne by the client.
Please note: The client/seller of the property is responsible for all fees and charges associated with the transaction, such as brokerage charges, Land Authority/Registrar fees/taxes/duties relating to the purchase of the property and registration of the mortgage deed.
Stage 1 - Mortgage Inquiry Form
Stage 2 - Mortgage Application Form
Stage 3 - Documents to Submit
List Of Documents
Definition
Someone who receives a Fixed Income on a monthly basis (Can be full-time, part-time or working as a contractual worker).
- Company executives, managers, directors, programmers, etc.
- A Teller at a small restaurant.
- A Network Administrator.
- A factory manager.
- Drivers.
- Cooks.
- Peon.
Documents Requirements
A minimum of 1 of these documents must be available:
- Employment Contract (copy of original)
- Employment Reference Letter on company letterhead confirming name, CNIC, terms of employment, salary, designation, date of joining (recent)
- Last 3 salary slips (Recent, showing salary amount, tax bracket & any other benefits accrued).
- Signed affidavit from employers confirming years of employment, monthly salary, key roles and responsibilities, ID card details.
- Last 6 months bank statements, with references to all salary payments credited to account.
- An Electrician, plumber, construction worker getting paid on a day-to-day basis
- A farmer getting a lump sum payment every harvest
- Factory workers getting paid by piece made
- Salesman
- Gardener
Provide whatever documents from the below list which may be applicable to you
- Employment Contract (copy of original)
- Employment Reference Letter on company letterhead confirming name, CNIC, terms of employment, salary, designation, date of joining (recent)
- Last 3 salary slips (Recent, showing salary amount, tax bracket & any other benefits accrued).
- Signed affidavit from employers confirming years of employment, monthly salary, key roles and responsibilities, ID card details.
- Last 6 months bank statements, with references to all salary payments credited to account.
- Signed affidavit from themselves confirming years of working, income, key roles and responsibilities, ID card details
- Last 6 months bank statements, with references to all contracting payments credited to account.
Definition
Someone who runs their own business or is Self-employed.
Examples:
- Car repair store.
- Mobile shop owner.
- Lawyer.
- Tailor shop
- Freelance web/graphics designer.
- Kiryana store owner.
- Affiliate marketers.
Documents Requirements
A minimum of 1 of these documents must be available:
- Signed affidavit confirming that you are self-
employed or that you run your own business. - Last 6 months bank statements, with references to all contracting payments credited to account.
and
A minimum of 4 of these documents must be available:
- Registered company – NTN / CUIN
- Tax submissions & filings
- Contracts with clients
- Financial Statements
- Bank Deposits Slips & Statements
- Credit Book
- Contracts with suppliers
- Invoices & Receipts
- Sales Register
- Purchase Book & Orders
- Inventory Register
- Electricity Bill/Gas Bill
- Wage Register
- Telephone Bill
- Mandi Receipts
- Rental Agreements