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Eligibility Criteria: Salaried Employees:

• Pakistani National Including Azad Jammu & Kashmir (AJ&K)
• Clear ECIB Report
• Any permanent Government official whose salary routed through Bank of Khyber
• Contractual Doctors of MTI hospitals of KPK & professors of public universities, subject to the condition where their contract remain valid within the total facility of the Bank’s facility, moreover the life takaful of the concerned contractual customer & its assignment in the favour of bank should also be done.

Age: 22 to 58 Years Period of Employment: 01 years or more in Permanent cadre Income of Employee: Installment should not be more than 33% of the net take home income or 40% corrective installments not to exceed salary other loans. [read more] Security: Security:

Option # 01	Terminal Benefits are sufficient to cover sum of installments. 1. Lien on Terminal Benefits from the parent department of the customer duly signed by authorized official/drawing & disbursement official. 2. PG of the customer
Option # 02	Terminal Benefits are not sufficient but at-least cover 75% or more total financing amount. 1. Lien on Terminal Benefits from the parent department of the Customer duly signed by authorized official/drawing & disbursement official. 2. One PG of Grade 15 or above Grade. (Govt. Employee) 3. PG of the customer.
Option # 03	Terminal Benefits are not sufficient but at-least cover 50% to 74% of total financing amount. 1. Lien on Terminal Benefits from the parent department of the customer duly signed by authorized official/Drawing & Disbursement Official. 2. Two PG of Grade 15 or above Grade (Govt.  employee) 3. PG of the customer
Mode of Payment	Postdated cheques

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