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.
Stage 1 - Mortgage Inquiry Form
Stage 2 - Mortgage Application Form
Stage 3 - Documents to Submit
List Of Documents
For Salaried
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.
Other Income
Definition
Someone who works for themself and earns money on a per day/per contract/per season basis.
Examples:
Provide whatever documents from the below list which may be applicable to you
- 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.
A minimum of 1 of these documents must be available
- 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.
Self – Employed / Business Owner
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