“I recently used Asaan Ghar's home financing product, and my experience was exceptional from start to end. The team was professional, provided clear guidance, and the documentation was transparent.”
Welcome to Asaan Ghar Islamic Finance for Land + Construction Financing
Embark on the journey of building your dream home with confidence and ease. At Asaan Ghar, we understand that acquiring land and constructing your home should be a seamless process. Our Islamic Finance for Land + Construction offers the support and flexibility you need to turn your vision into reality. Whether you’re starting from scratch or expanding your property, our financing solutions cater to your unique needs. With competitive pricing, extended tenures, and hassle-free processes, we empower you to build the home of your dreams without compromise. Let us be your partner in this exciting journey towards homeownership, where every step brings you closer to the fulfillment of your aspirations.
Combine the costs of land acquisition and home construction into one convenient financing solution, simplifying your path to homeownership. Our Land + Construction Financing provides you with the flexibility and support to turn your dream home into a reality. Whether you are purchasing land and building a new home or expanding an existing property, we offer tailored solutions to meet your needs.
Key Features
- Comprehensive Coverage: Our financing facility covers both land acquisition and construction costs, whether you’re starting from scratch or expanding an existing property.
- Flexible Repayment Options: Enjoy easy early repayment options with no additional charges, allowing you to reduce your liability according to your convenience.
- Fixed Monthly Installments: Aligning with Islamic principles, our product offers fixed monthly installments from 3 to 5 years, providing certainty and peace of mind for your budgeting needs.
- Efficient Approval Process: Experience a streamlined approval process with our efficient system, ensuring a response within 96 hours of application.
- Hassle-Free Documentation: With our paperless process, onboard effortlessly with minimal documentation requirements, making the process convenient and efficient.
Product Structure
The underlying Islamic mode of Asaan Ghar Islamic Finance for Land + Construction Financing is Diminishing Musharakah. Diminishing Musharakah (Shirkat ul Milk) is a form of co-ownership in which Asaan Ghar and the customer share joint ownership of the land and house in an agreed proportion. The customer purchases, in periodic installments, the share of the other co-owner (Asaan Ghar) until complete ownership of the land and house is transferred to the purchasing co-owner. Along with the purchase of the share, the customer also makes agreed periodic payments (rent) for the usage of the other co-owner’s share (Asaan Ghar) in the asset until complete ownership of the asset is transferred to the customer.
Eligibility Criteria
- Applicable for those who already own land or wish to buy a plot and need funds for construction.
- Minimum Financing Amount: PKR 1,000,000.
- Co-applicant is mandatory (spouse or immediate family member).
- Applicant’s age should not exceed 60 years at loan maturity.
Application Process
- Applicant submits application on AGFL website or through Relationship Manager.
- Sales team gathers information and documents.
- SPD reviews and enters data in the system.
- Sales team collect processing fees
Discover Why Our Customers Love Us
Customer Testimonials
Read what our satisfied customers have to say about their experiences with Asaan Ghar Finance Limited.
Muhammad Saqib Rafique Shaikh
“Asaan Ghar Finance scheme adheres to Islamic principles, which was very important to me. Their team was exceptionally supportive and responsive throughout the process.”
Muhammad Abdul Hannan Shadani
“I chose Asaan Ghar over a conventional institution, and my family was very impressed with their proposal. The team was incredibly responsive and helpful.”
Ghulam Nabi
“I have been associated with Asaan Ghar for 14 years. Their affordable rates, excellent early settlement options, and income-combining feature with my brothers are outstanding.”
Muzammil Haji Mehboob
“Asaan Ghar helped me with paperwork and guided me in choosing the right property. The team was incredibly supportive and hospitable throughout the process.”
Hammad Moinuddin
“Thanks to the Asaan Ghar Team, I am now a property owner. I sincerely appreciate their support and pray for their continued growth.”
Tahir Ali
Ready to Take the First Step Towards Building Your Dream Home?
Let's Get Started!
Get in Touch with Us Today
Contact Us
Have questions or need assistance? Fill out the form below, and our team will be happy to assist you.
- We're Here to Help
- 0213 4300802-3
- contact@asaanghar.com
Your Path to Homeownership
B-139, Sindhi Muslim Cooperative Housing Society Block-B, Shahrah-e-Faisal,
Karachi, Sindh – 75350
AGFL – NTN 4471867 AGFL – CRN 0175272
B-139, Sindhi Muslim Cooperative Housing Society Block-B, Shahrah-e-Faisal,
Karachi, Sindh – 75350
AGFL – NTN 4471867 AGFL – CRN 0175272
House Financing License Number: SECP/LRD/54/AGFL/2022
If your complaint has not been adequately addressed by us, you may lodge your complaint with the Securities and Exchange Commission of Pakistan (SECP). Please note that the SECP will only entertain complaints that were initially directed to the company and remain unresolved. Additionally, complaints that fall outside the SECP’s regulatory domain will not be entertained.
We are members of NBFI Modarbah
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