Hbl Carloan 2a38o

HBL CarLoan

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PLS - Savings • 7.19% profit • Deposit ranges from Rs. 10,000 to Rs. 1,000,000 • Profit paid every quarter

• 5.06% profit • Profit paid biannually • Unlimited transactions

Individual Customers With a customer base of 5 million and a network of more than 1,450 branches in Pakistan, HBL is the largest private bank in the country. Our network means that we are geographically closer to our customers than any other bank. This gives us the insights needed to provide a variety of products that directly reflect customer needs. HBL caters to all market segments, offering products that are as diverse as the people we service. We remain resolute in our commitment to provide products that are competitive and services that are exemplary. Hbl car loan: HBL CarLoan helps you get your preferred car through a simple and hasslefree process, backed by superior service and . Now you can drive a car you always wanted. For details, please call 111-111-425.

Car Showroom

Car Navigator

Compare features of different cars

View specifications of a particular car

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Features

• Choice of used, new local/imported and reconditioned imported car. • Repayment options ranging upto 7 years. • Upto 85% of financing for the car of your choice. • Insurance at all times for complete peace of mind and security. • Round the clock available through HBL PhoneBanking; you can place your requests and queries, track the status of your repayment/loan and avail other value-added services through HBL PhoneBanking.

Eligibility Criteria

Salaried Individuals Citizenship Pakistani Age 22-60 years Minimum monthly incomeRs. 20,000 Documentation Salaried Individuals • Copy of CNIC • 2 recent port size photographs

Self-Employed Business persons/ Professionals Pakistani 22-65 years Rs. 25,000

• Latest original salary slip and personal bank statement for last 3 months Self-Employed Business persons/Professionals • Copy of CNIC • 2 recent port size photographs • Bank statement for last 6 months and bank letter confirming details of • Proof of business SERVICES: Services Experience the ultimate banking convenience with HBL, featuring a huge variety of intricately designed services aimed at providing you with the most hassle free, and speedy banking experience. Whether you’re at home, on the go, or at our branch, Easy Banking is only a thought away

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ATM Internet Banking Mobile Banking Debit Card Phone Banking

ATM • Funds Transfer • Utility Bill payment - KESC, GEPCO, LESCO, SNGPL, SSGC • Mobile post pay bill payment and top-up • HBL CreditCard bill payment • Cash withdrawal • Balance Enquiry • Mini Statement • ATM PIN change

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Internet Banking • Funds Transfer (HBL s and third party under 1 Link network) • Utility Bills payment - KESC, GEPCO, LESCO, SNGPL, SSGC • Mobile post paid bills & top-up - Warid, Ufone • Purchase mobile prepaid vouchers - Mobilink, Ufone, Warid, Telenor, Zong, V-PTCL , PTCL • HBL CreditCard bill payment • / Credit Card Balances • / Credit card statements • Maintain your personal settings • Cheque book Request

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Mobile Banking • Funds Transfer (HBL s and third party under 1 Link network) • Utility Bills payment - KESC, GEPCO, LESCO, SNGPL, SSGC • Mobile post paid bills & top-up - Warid, Ufone • Purchase mobile prepaid vouchers - Mobilink, Ufone, Warid, Telenor, Zong,V-PTCL , PTCL • HBL CreditCard bill payment • / Credit Card Balances • / Credit card statements • Maintain Acount settings • Cheque book Request

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Debit Card • All services offered through ATM can be availed using HBL DebitCard • Upto 15% discount on leading restaurants

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Phone Banking • Banker's Cheque request • Mobile Prepaid Vouchers - Mobilink, Ufone, Warid, Telenor, Zong, V-PTCL • Balance inquiry • information • Stop cheque payment request • Cheque book request • Debit Card activation & de-activation • Credit Card activation & de-activation • Internet Banking • or service settlement request HBL CREDIT CARD:sss

HBL CreditCard Welcome to a world of convenience and flexibility. Accepted at over 29 million merchants worldwide, HBL CreditCard makes shopping fun and paying simple. So make the most of your shopping experience.

Gold Card

Green Card

Gold Card Rupees 50,000 180,000

Minimum gross salary requirements Salaried individuals Self-employed business persons/professionals

Green Card Rupees 15,000 25,000

Rupees 150,000 500,000

Credit limit range Minimum Maximum

Rupees 20,000 149,000

HBL HomeLoan HBL HOME LOAN: HBL HomeLoan offers financing options to purchase a new house or renovate an existing house. For details regarding available financing options, call HBL PhoneBanking at 111-111-425 or your nearest HBL branch. Outright Purchase

Home Improvement

The outright purchase loan option provides financing for buying a new house.

Home-improvement loan option provides financing for renovating your house.

Outright Purchase

Descriptors

3 years to 20 years Rs. 300,000 – Rs. 15,000,000 85%

Loan tenure Loan amount Maximum financing amount (as % of appraised value of the property)

Home Improvement/ Renovation 3 years to 20 years Rs. 300,000 - Rs. 5,000,000 70%

Property lease (years remaining at the time of 5 years loan maturity) Borne by the Bank Property insurance Borne by the Bank Primary applicant Life insurance Primary applicant and and co-borrower (through HBL by the insurance co-borrower company on HBL?s ) 5 years

Eligibility Criteria Self-Employed Business Persons/ Professionals

Salaried Individuals

Nationality Pakistani (resident) Pakistani (resident) Age criteria of the main Permanent employees Minimum age at the time applicant and coMinimum age at the time of loan application should borrower whose of loan application be 21 years. Maximum age income is being should be 21 years. at the time of loan clubbed (spouse only) Maximum age at the maturity should be 65 time of loan maturity years. should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years Length of Employment Permanent employees Minimum 2 years Minimum 1 year experience in personal experience; 6 months business experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. Documentation

Salaried Individuals

Self-Employed Business Persons/ Professionals

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CNIC copy

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CNIC copy

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2 port size photographs

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2 port size photographs

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Letter from employer

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2 latest salary slips or salary certificate

Proprietorship: Bank Certificate / Latest Tax Assessment Order

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Bank statement for last 6 months and bank letter

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Latest one year bank statement

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confirming details of

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Partnership Deed

Copies of property documents

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ed Form C

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Memorandum, Article of association and ed Form 29 A (applies to company directors)

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Copies of property documents

Schedule of Bank Charges Application processing charges (including 16% FED) Early settlement charges Partial payment charges Late payment charges Property evaluation fee Legal fee

Rs. 7,000/- (non-refundable) 4.7% of outstanding principal 4.7% of adjusted principal Rs. 700 (for each late payment) Actual cost plus 16% FED to be recovered Actual cost plus 16% FED to be recovered

The charges stated above are subject to change considering the market dynamics and maybe revised from time to time.

Bancassurance BANCASSUARANCE: HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce Amaan (Retirement Plan ) and Tabeer (Child Education & Marriage). These products have been designed keeping HBL’s customer base as the focus and will provide life insurance along with an investment option. To visit the NJLI website click the link below: http://njilife.com/hbl.html Amaan - Retirement Plan A pension plan that offers attractive investment returns

Debit Card HBL DEBIT CARD:

Tabeer – Child Education An insurance plan that enables parents to cover education and marriage costs

HBL Visa Debit Card allows you to pay for your purchases directly from your bank . You don’t have to carry cash and your monthly statement provides you with a complete record of all your transactions so you can manage your expenses with ease. For more features click on the list below or call: 111-111-425

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No Interest Ease & Security No Liability International Recognition& Acceptability Spending Limits 24 hour Customer Service Global Customer Assistance Service

No Interest HBL Visa Debit Card is the perfect way of paying for your purchases as it gives you access to the exact amount of money you need, as and when you need it. There is no interest or credit on payments because you spend from the money available in your personal HBL . Top PERSONAL LOAN:

Ease & Security HBL Visa Debit Card offers ease and convenience because you donot have to visit an ATM to withdraw cash. Paying with the HBL Debit card is safe because it eliminates the need to carry cash. A single swipe automatically debits the exact purchase amount from your personal HBL . Top

No Liability In case of a lost or stolen card, you are protected against fraudulent transactions made on your card after you report the incident. Please report your card as lost or stolen immediately by calling our 24 hour HBL PhoneBanking service at 111-111-425 within Pakistan or the Global Customer Assistance Service helpline for the relevant country if you are traveling abroad. Top International Recognition & Acceptability

HBL DebitCard is accepted at over 50,000 merchants in Pakistan and over 30 million merchants worldwide for your daily purchase. With access to over 3,700 ATMs nationwide and 1.4 million ATMs worldwide, your HBL DebitCard helps you do much more than just cash withdrawal, e.g. funds transfer, mobile bill payment, utility bill payment and generation of mini statement. Top

Spending Limits The daily spending limit at shops and outlets on your HBL Visa Debit Card is Rs. 100,000. (Please note that these figures are subject to the balance available in your ). Top

24 Hour Customer Service Local our 24 hour HBL PhoneBanking service at 111-111-425 if you need assistance related to your HBL Visa Debit Card. International International callers can call +92-21-111-111-425 for 24 hour service. Top

Global Customer Assistance Service (GCAS) When traveling overseas, HBL Visa Debit cardholders receive global assistance 24 hours a day, 7 days a week from the local Visa Global Customer Assistance Service. For the phone number relevant to the country you are traveling in, please click below: http://www.visa-asia.com/ap/Subscription/gcas.jsp

HBL PersonalLoan From quality education to a grand wedding to personal well-being, HBL PersonalLoan helps you fulfil your financing needs. Get hard cash the easy way with HBL PersonalLoan. Features and benefits • • • • • •

Processing fee on approval only Repayment tenures from 12 to 60 months Loan amount ranging from Rs. 25,000 to Rs. 2,000,000 24/7 access to HBL PhoneBanking Top-up facility available after every 12 months Free life insurance Basic criteria and documentation

The applicant should be 21 years or more at the time of loan application and 61 years or less at the time of loan maturity. Requisite documentation is listed below:

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Verified original copy of CNIC HBL PersonalLoan Finance Agreement Either of last two months’ salary slips (original or attested) Last 6 months? bank statement (salary ) opening form (in case of non-HBL holder)

• Original Application Form • Copy of (CNIC) (to be Original Seen) • Original Legal Documents - Letter of hypothecation - Offer of Credit Facilities - Finance Agreement • • • • •

Original or Copy of Salary Slip / Salary Certificate / Employer Letter Original or Copy of Bank Statement (HBL) Original or Copy of Bank Statement (External) Original or Copy of Proprietorship Certificate Copy of ed Partnership Deed Copy of ed Memorandum & Article of Association with last • issued • • • • •

Form 29 A Original NOC (No Objection Certificate) Original Recommendation Letter Original Letter from Employer Copy of Professional Degree Original Letter of Undertaking

For further information, please call HBL PhoneBanking at 111-111-425 or visit your nearest HBL branch.

HBL PhoneBanking Your bank is just a phone call away. You can now call HBL PhoneBanking and save a trip to the branch. Your query will be resolved in a single telephone call from anywhere and at anytime. For details on features and benefits please see below.

Services:

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Deposit s HBL CarToCar HBL CarLoan Mobile phone prepaid vouchers

T-PIN Generation Your TPIN (Telephone Personal Identification Number) is generated the first time you call and you can use it as your for verification purposes, self-service banking through IVR and additional services through our PhoneBanking Officers. You can change your TPIN anytime you like.

HBL PhoneBanking services for Deposit customers You can use the Interactive Voice Response (IVR) system or talk to our PhoneBanking Officers to: •

Get your balance

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Get information about the last 5-10 transactions carried out on your

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Request your bank statement, either through fax or email (as supplied in your subscription form)

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Get details of your transactions from the last 6 months on each of the s listed on your subscription form

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Change and/or modify your details

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Transfer funds between your own s (as listed in the subscription form) or from your to a third party (as listed in the Third Party Authorization Form)

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Transfer funds from your own to an in another bank under the 1-Link network (Inter Bank Funds Transfer)

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Generate your own choice of ATM Pin without filling a request at your branch

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Inquire about our product offerings

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Lodge a complaint in case of any inconvenience

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Inquire about the daily s related profit rates and currency exchange rates

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Request a number of physical instruments and/or branch banking related services that you might require, including: ○

Pay Order

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Demand Draft

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Statement

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Balance Certificate

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Cheque Book Top

HBL PhoneBanking services for HBL CarToCar and CarLoan

customers HBL CarToCar and HBL CarLoan customers can enjoy the following services through HBL PhoneBanking: • Balance Inquiry Get information regarding the balance of your Loan and Repayment . • Last 5-10 Transactions Get details regarding the last 5-10 transactions carried out on your Loan and Repayment . • Statement Generation (Email and Fax) Request for the statement of your Loan and Repayment , either through Fax or Email. • Maintenance You can request for the following facilities related to your Loan including: . Change/modification in your Details . Partial Payment . Early Settlement • Car Theft/Damage In case of car theft/damage, please inform any of our Phone Banking Officers and your notification will be forwarded to the Car Loan department. You will be provided complete assistance in resolving the issue promptly and efficiently. • Detailed Transaction History Our Phone Banking Officers can give you the details of transactions made in the past 6 months on your Loan and Repayment . • T-PIN Generation/Change Your TPIN (Telephone Personal Identification Number) is generated the first time you call and you can use it as your for verification purposes, Self-service Banking through IVR System and additional services through our Phone Banking Officers. You can even change your TPIN any time after its initial generation. • Product Facilitation You can speak to any of our Phone Banking Officers and inquire about our product offerings and request facilitation through ing your interest in the product(s) and forwarding the same to our country-wide sales team for follow-up with you. Top Mobile phone prepaid vouchers All you have to do is dial 111-111-425 and choose your desired denomination. The amount will automatically be charged to your HBL CreditCard or HBL deposit and your prepaid voucher PIN will be sent via SMS to your mobile number ed with HBL PhoneBanking.

Mobile service providers

Denomination (Rs.) 100 300 600 1,000

100 150 500 1,000

100 150 500 1,000

100 300 500 1,000

300 500 1,000

50 100 250 1,000 Note: Service fee of Rs. 5 + FED will be charged for every transaction. Step 1: Call HBL PhoneBanking at 111-111-425 and select 2 for "Phone Banking Services". Step 2: After entering your CNIC and TPIN, press 1 for "Self-Service Banking" Step 3: Once you are in the main menu, press '6' to select "Prepaid Vouchers" and select the telecommunication company, denomination and the payment instrument (HBL CreditCard or HBL deposit ) of your choice Kindly listen to the message carefully and acknowledge the transaction by pressing "1" or else press "8" for the main menu. HBL FastTransfer

HBL FAST TRANSFER: Pakistan

KSA

UAE

Oman

Bahrain

HBL FastTransfer lets you receive your remittance instantly and absolutely free. HBL - Pakistan’s largest banking network - provides unmatched

convenience and a confirmation SMS to inform you that your money is ready for collection. HBL FastTransfer offers three modes for receiving money in Pakistan: 1. Fast Cash Receive up to PKR 500,000 for instant collection from any HBL Branch. 2. Fast Direct Credit Instantly receive money in any HBL . 3. Fast Draft Non HBL holders can get their credited the same day. For list of our branch network please refer the branch finder on the top right corner. For further inquiries please email us at [email protected]