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 |
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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 |
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Fixed-Rate schedule (per year) |
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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 |
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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 |