Home Loan Application Form (12-06-19)

Build the house of your dreams

PURPOSE OF FACILITY

Financing application (Please tick):

Purchase Plot+Construction Renovation BTF (Balance Transfer Facility)

Construction Enhancement

Amount Applied for Rs.: Tenure: Applicant’s own contribution through Equity Rs.:

Profit Rate: Repayment Mode: UMI EMI SMI

BANKING RELATIONSHIP

Are you an existing Meezan Bank customer?

If yes, your Account Number:

PERSONAL DETAILS

Name Mr./Mrs./Ms. (In block letters): (As is appearing in your CNIC)

Date of Birth (dd/mm/yyyy) Gender (Please tick): Male Female

CNIC No.: CNIC Expiry Date:

Marital Status (Please tick): Single Married Divorced Widow/Widower

No. of Dependents:

Residential Status (Please tick):

Resident Pakistani Non-Resident (Specify)

Passport No.: Father’s / Husband’s Name:

CNIC No.:

Mother’s Maiden Name:

Educational Qualification (tick the highest):

Masters or above Bachelors Professional Certification Other

Current Residential Address:

City Nearest Landmark Country

Current Residence Status (House/Flat) (Please tick):

Owned Rented Parents’/Joint Family

Others (Please specify):

Monthly Rent: Residing Since (Year):

Phone No. (Resident): Phone No. (Cell):

Personal Email: Emergency No:

Permanent Residential Address (if different from above):

Applicant(s) Signature: 2 EMPLOYMENT DETAILS

For Salaried Individuals only

Occupation/Profession:

Type of Employment (Please tick):

Contract Permanent Adhoc Deputation Other

Employer/Company Name

Employer is (Please tick): Government Semi Government Private Ltd.

Public Ltd. Others (Please specify):

Employer/Company Address:

City: Country:

Designation & Department: Date of Joining:

Gross Monthly Income: O ce Contact No.:

Office Email:

Previous Employment (if applicable):

Company Name: Designation: From to

Total Experience:

For Business Person/Self-Employed Professionals only

Occupation/Profession:

Type of Business/Profession/Industry:

Company/Business Name:

Company/Business Address:

City: Country:

O ce Contact No.: Office Email:

Designation:

Share in Business (%): Establishment Date:

Business NTN No.: Duration of Business:

Type of Legal Entity (Please tick):

Private Ltd. Public Ltd. Proprietorship

Partnership Others (Please specify):

Office Premises: (Please tick): Owned Rented

Applicant’s Signature:

3 MONTHLY INCOME & EXPENDITURE

MONTHLY INCOME (Amount in Rs.) EXPENDITURE (Amount in Rs.)

Rent Gross Income

Utilities Tax Education

Financing Deducted by Employer Transport

Kitchen Other Deductions Card Payments

Other Income (If any) Financing Repayments

Insurance/Takaful Total Net Monthly Income Other Expenses

Total Monthly Expenditure

BANKING LIABILITIES Bank Name Branch Facility Type Outstanding Amount of Financing

PERSONAL ASSETS Details and Type of Assets (Land, House, Car & other assets, if any) Value

Applicant(s) Signature: Date:

4 Form-B (Co-applicant Section)

CO-APPLICANT PERSONAL DETAILS

Name Mr./Mrs./Ms. (In block letters): (As is appearing in your CNIC)

Date of Birth (dd/mm/yyyy) Gender (Please tick): Male Female

CNIC No.: CNIC Expiry Date:

Marital Status (Please tick): Single Married Divorced Widow/Widower

No. of Dependents:

Residential Status (Please tick):

Resident Pakistani Non-Resident (Specify)

Passport No.: Father’s / Husband’s Name:

CNIC No.:

Mother’s Maiden Name:

Educational Qualification (tick the highest):

Masters or above Bachelors Professional Certification Other

Current Residential Address:

City: Nearest Landmark: Country:

Current Residence Status (House/Flat) (Please tick):

Owned Rented Parents’/Joint Family

Others (Please specify):

Monthly Rent: Residing Since (Year): Phone No.:

Personal Email: Emergency No:

Permanent Residential Address (if different from above):

Co-Applicant(s) Signature:

5 Co-Applicant Employment Details

Income Clubbing: Yes No

For Salaried Individuals only

Occupation/Profession: Type of Employment (Please tick):

Contract Permanent Adhoc Deputation Other

Employer/Company Name/Address: Employer is (Please tick): Government Semi Government Private Ltd.

Others (Please specify):

Designation & Department: Date of Joining:

Gross Monthly Income: O ce Contact No.: Office Email:

Previous Employment (if applicable): Company Name: Designation: From to

Co-Applicant(s) Signature:

For Business Person/Self-Employed Professionals only Occupation/Profession: Type of Business/Profession/Industry:

Company/Business Name:

Company/Business Address:

City: Country:

O ce Contact No.: Office Email:

Designation:

Share in Business (%): Establishment Date:

Business NTN No.: Duration of Business:

Type of Legal Entity (Please tick):

Private Ltd. Public Ltd. Proprietorship

Partnership Others (Please specify):

Office Premises: (Please tick): Owned Rented

Co-Applicant(s) Signature:

6 MONTHLY INCOME & EXPENDITURE

MONTHLY INCOME (Amount in Rs.) EXPENDITURE (Amount in Rs.)

Rent Gross Income

Utilities Tax Education

Financing Deducted by Employer Transport

Kitchen Other Deductions Card Payments

Other Income (If any) Financing Repayments

Insurance/Takaful Total Net Monthly Income Other Expenses

Total Monthly Expenditure

BANKING LIABILITIES Bank Name Branch Facility Type Outstanding Amount of Financing

PERSONAL ASSETS Details and Type of Assets (Land, House, Car & other assets, if any) Value

Co-Applicant(s) Signature: Date:

7 DETAILS OF PROPERTY TO BE FINANCED

Kindly provide details of the Property for which you require financing. Existing Owner’s Name: CNIC No:

Property Address:

(Please fill if identified): Property Type (Please tick): Open Plot House Apartment Bungalow

Title Status: Free Hold Lease Hold Others (Please specify):

Covered Area: (Sq.Ft) Total Plot Area: (Sq.Ft)

Place: Date:

UNDERTAKING I/We the undersigned do hereby declare that I/we am/are Pakistani National(s) and undertake to maintain this status, in addition to dual nationality (if any) at least until full & final settlement of the financing from the Bank. (a) I/We understand that in the event the Bank agrees to finance any amount in the aforesaid property as admissible under its rules, regulations and procedures, I/we the undersigned do hereby declare and undertake that decision of the Bank in respect of the following shall be binding on me/us and I/we shall not be absolved from this undertaking any time during the period of the financing: (i) The assessed cost of land and cost of construction thereon; (ii) The calculated rental income of the property and the rate of periodic revision thereof; (iii) The Bank’s rental income in consideration of its investment; (iv) In case of delay in monthly payment, the customer undertakes to pay Charity PK 500/- flat plus 20% p.a of the overdue rental amount (v) The period of completion of the house; and (vi) Obtaining Group Life Takaful Coverage/Property Takaful on such terms and contribution, as agreed to by the Bank and the Takaful Company; (b) I/We undertake to open an account with the Bank as may be designated by it if this application is accepted and hereby undertake to furnish all required postdated cheques/Irrevocable Direct Debit Advice/standing instructions to the bank, as per the details provided by the Bank from time to time in order to pay o charges related to the facility as may be applicable.

Applicant(s) Signature: Co-Applicant(s) Signature: 8 (c) That I/we do hereby authorize the Bank to obtain information/data regarding my/our financial and personal details from any credit bureau, agent, financial institution companies for purposes of processing my/our application and monitoring my/our facilities/account. Further I/we authorize the Bank to disclose/share information/data about my/our account/facilities to/with any other credit bureau, agent, banks, financial institutions or companies as the Bank considers appropriate from time to time. I/We also understand that external agency charges and all other charges are non-refundable even if my/our application is rejected. (d) That I/ we do hereby declare that there is no default against me/us as a borrower/customer or as guarantor at any bank/financial institution. I/We also indemnify that subsequently if any default appears in any credit bureau after registration and processing of any investment case at the Bank, the application fee so deposited by me/us with the bank/financial institution for obtaining housing finance facility will be forfeited and not refunded to me/us. (e) I/We declare that all the information presented above is correct and complete to the best of my/our knowledge. I/We also hereby authorize the Bank, or it’s duly appointed agents, to contact my place of residence, work, and/or references to verify any of the information provided by me in this application. That I/we further declare that this application form and undertaking shall form part of and be deemed to have been incorporated in the Finance Agreement to be executed by me/us. (f) I / We will inform bank in case there is change in any of my / our telephone number / address.

Primary Applicant: Name:

CNIC No.:

Signature: Signature (As per CNIC):

Thumb Impression:

Co-applicant (if applicable): Name:

CNIC No.:

Signature: Signature (As per CNIC):

Thumb Impression:

For Bank Use Only

Case Referred by: Direct Sales Branch Other

Name of Referring Relationship/Branch Officer: Designation: Emp. No: Phone Ext: Branch/Sales Hub: City: Branch Code: Official E-mail:

Relationship Manager Hub/Sales Manager/Branch Manager Name: Name:

Signature/Stamp: Signature/Stamp: Date: Date: 9 ANNEXURES References Kindly provide two references, one of an office colleague and another of an immediate relative Office Colleague Name:

Designation: CNIC No.: Residential Address:

City: Country:

Office Name:

Office Tel.: Res. Tel.:

How long do you know the reference? ? years

Immediate Relative (not residing with you)

Name:

Designation: CNIC No.: Residential Address:

City: Country:

Office Name:

Office Tel.: Res. Tel.:

How long do you know the reference? ? years

Legal Heirs

Name Age CNIC No. Relationship

Existing Banking Details

A/C Type Bank Branch Operating Since

Undertaking Option for Financing to a Related Party

I hereby undertake that I do not have any family member(s) employed with Meezan Bank Limited.

I hereby undertake that I have family member(s) employed with Meezan Bank Limited. (Particulars of the same are attached on a separate sheet).

11 UNDERTAKING I ______S/O, D/O, W/O ______holder of CNIC ______, undertake that the detail of my existing exposure from the ‘entire Banking Sector’ as on ______is as under:

Details of Credit Cards (Clean) limits being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit 1 2 3 4

Details of Credit Cards (Secured) limits being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit 1 2

Details of Personal financing (Clean) limits being availed from other banks/DFIs

S. No. Name of Bank/DFI Approved Limit Amount Outstanding on Application Date 1 2 3 4

Details of Personal financing (Secured) limits being availed from other banks/DFIs

S. No. Name of Bank/DFI Approved Limit Amount Outstanding on Application Date 1 2

Details of other facilities if any (Clean & Secured) being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit Nature (Clean/Secured) Current Outstanding

1 2 3 4

Applied Limits (Including the application in process) S. No. Name of Bank/DFI Facility under Process Nature (Clean/Secured)

1 2 3

Applicant’s Signature

12 UNDERTAKING I ______S/O, D/O, W/O ______holder of CNIC I ______S/O, D/O, W/O ______holder of CNIC ______, undertake that the detail of my existing exposure from the ‘entire Banking ______, undertake that the detail of my existing exposure from the ‘entire Banking Sector’ as on ______is as under: Sector’ as on ______is as under:

Details of Credit Cards (Clean) limits being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit 1 2 3 4

Details of Credit Cards (Secured) limits being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit 1 2

Details of Personal financing (Clean) limits being availed from other banks/DFIs

S. No. Name of Bank/DFI Approved Limit Amount Outstanding on Application Date 1 2 3 4

Details of Personal financing (Secured) limits being availed from other banks/DFIs

S. No. Name of Bank/DFI Approved Limit Amount Outstanding on Application Date 1 2

Details of other facilities if any (Clean & Secured) being availed from other banks/DFIs S. No. Name of Bank/DFI Approved Limit Nature (Clean/Secured) Current Outstanding

1 2 3 4

Applied Limits (Including the application in process) S. No. Name of Bank/DFI Facility under Process Nature (Clean/Secured)

1 2 3

Co-Applicant’s Signature

13 Letter of Understanding I ______S/O, D/O, W/O ______holder of CNIC The Manager Meezan Bank Ltd. ______, undertake that the detail of my existing exposure from the ‘entire Banking Housing Finance Division Sector’ as on ______is as under: City ______Dear Sir/Madam, I hereby confirm that I have understood all product features, terms and conditions of the Easy Home – Islamic Housing Finance proposition.

1) The profit rate for the first year is ______and after the expiry of one year, the profit rate will switch to the following floating rate. This floating rate will be revised on an annual basis. K* + ______

K* denotes 12 month KIBOR (Karachi Inter Bank offer Rate) announced on 1st working day of each calander month.

2) There is no restriction on advance unit purchase. In case of property appreciation, additional Musharakah Units will be revalued at hi g h e r than face value. In this regard, the Customer will have to infom the Bank at least 10 days before the repayment date.

3) I hereby agree that upon Bank's demand, I will take property Takaful (Islamic Insurance) policy covering the facility amount assigned to Meezan Bank.

4) Meezan Bank will offer financing limit after credit screening process of job /business and property documents.

5) In case of Easy Builder, Renovation and Replacement cases, unit offering will start after 12 months from the disbursement of the last tranche. The transaction cannot be terminated within this time period.

6) Meezan Bank at all times, reserves the right to reject the financing facility at any time during the credit screening process.

7) The Musharakah property will be utilized for residential purposes only and I will get approval from Meezan Bank in case of any construction / renovation work on the Musharakah property.

8) For Construction / Renovation cases, construction will be completed within one year period of time from the date of 1st tranche disbursement.

9) For Construction / Renovation / Replacement Cases, unit purchase will start after 12 months from the date of last tranche disbursement.

10) I / We are responsible for any type of taxes, stamp duties that will arise for agreement and other related documents.

11) In case of delay in monthly payment, the customer undertakes to pay Charity PK 500/- flat plus 20% p.a of the overdue rental amount.

12) All payments should be made through payorder or cross-cheque in favor of “Meezan Bank” only. In addition no cash payments in any respect will be made to any staff member of Meezan Bank. Further Meezan Bank will not be responsible or liable for any such payments made through cash or bearer cheques.

Yours truly,

Applicant’s Signature Co-Applicant’s Signature (As per CNIC) (As per CNIC)

14 APPLICATION

The Manager, Bank ______Branch ______City ______

Subject: Authority for Receiving the Following Documents

Dear Sir/Madam,

I/We hereby authorize the undersigned Meezan Bank representative to receive the following documents from your bank.

 Bank Statement (From ______to ______)

 Proprietorship Certificate

 Account Certificate

Your immediate response in this regard will be highly appreciated.

Signature

Sincerely,

Applicant’s Signature Co-Applicant’s Signature (As per CNIC) (As per CNIC)

Name: Name:

Date: Date:

Authorized Person:

Name:

CNIC No.:

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