Mera Pakistan Mera Ghar (MPMG) / Government Markup Subsidy Scheme (GMSS) Trellis Housing Finance Limited
T0 T1 T2 T3 GharHo
Financing Purpose
 Purchase of house or flat ✔ ✔ ✔ ✔ ✔
Construction Only (existing plot) ✔ ✔ ✔ ✔ ✔
Purchase Plot & construction thereupon ✔ ✔ ✔ ✔ ✔
Renovation - (structural - e.g new floor, extension, roof) ✔ ✔ ✔ ✔ ✔
Renovation - (non-structural: e.g. painting walls, new tiles) ❌ ❌ ❌ ❌ ✔
Buy or Build a house to rent-out ❌ ❌ ❌ ❌ ✔
Purchase of plot only ❌ ❌ ❌ ❌ ❌
Financing Parameters
 Minimum Tenor (Yrs) 5 Years 5 Years
Maximum Tenor (Yrs) 20 Years 25 years
Minimum Financing Size (PKR) Dependant on the Bank / Microfinance Banks Policy PKR 500,000
Maximum Housing Unit Price (Naphda only Projects) - PKR 3,500,000 - - -
Maximum Financing Size (PKR) PKR 2,000,000 PKR 2,700,000 PKR 6,000,000 PKR 10,000,000 PKR 30,000,000
Rental Rate (per year) 5% first 5 years 3% first 5 years 5% first 5 years 7% first 5 years KIBOR 1Y +4%
Rate is fixed for 5 years
7% next 5 years 5% next 5 years 7% next 5 years 9% next 5 years
Market Rate to be applicable after 10th year of financing as follows: KIBOR 1Y %+ Banks Spread
Financing Ratios Dependant on the Bank / Microfinance Banks Policy
Max: upto 85%		 Dependant on the Bank / Microfinance Banks Policy
Max: upto 90%		 Purchase: upto 85%
Construction: upto 80%
Renovation: upto 80%
Buy to Rent: upto 70%
Early Unit Purchase/Pre-payment Penalty Partial (Baloon) Payments are dependant on the Bank / Microfinance Banks Policy. Full repayment allowed without any penalty 2% premium on early unit purchase prior to completing 1 year of Financing. No premium applicable after completing 1 year.
Property Takaful (Fire & Allied Perils Insurance) Dependant on the Bank / Microfinance Banks Policy Trellis's share in the Musharaka Property is covered as part of the policy and is provided free of cost to the client.
Life Takaful (Death & Critical Illness Insurance) Dependant on the Bank / Microfinance Banks Policy It is mandatory for the primary borrower. Preimum to be added to the Profit Rate.
Discount Incentives ❌ ✔
0.25% Discount for Female only or Female & Male both own title to property & become co-applicants.
Mode of Financing Islamic or Conventional options available Shariah Compliant