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:

Product NPKT-T0 NPKT-T1 NPKT-T2 NPKT-T3
Status New New New New
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.) 5 5 5 5
Maximum Tenor (Yrs.) 20 20 20 20
Minimum Financing Size (PKR) - - - -
Maximum Financing Size (PKR) 2,000,000 2,700,000 6,000,000 10,000,000
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 Ratios Max 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) 3 3 3 3
Employment Types
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
  • Salaried
  • Business Owner
  • Other Income
Employment Sectors All except for Bank Staff All except for Bank Staff All except for Bank Staff All except for Bank Staff
Minimum Age (years) 23 23 23 23
Maximum Age (at maturity of loan) 65 65 65 65
NAPHDA projects only? No Yes No No
Legal Framework Equitable Mortgage or Registered Mortgage Equitable Mortgage or Registered Mortgage Equitable Mortgage or Registered Mortgage Equitable Mortgage or Registered Mortgage
First time home-owner only Yes Yes Yes Yes
Only 1 loan per family? Yes Yes Yes Yes
Additional Declarations No onward sale for 5 years No onward sale for 5 years No onward sale for 5 years No onward sale for 5 years