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.
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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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Aaira (verified owner) –
Quality products.
Fatima Zain (verified owner) –
Peace of mind to buy from Ays
Shahzain Saleem (verified owner) –
Zabardast
Amir Aryan (verified owner) –
specifications are excellent for me
Sareer Khan (verified owner) –
aysonline is best for home
Muhammad Mohsin (verified owner) –
innovative with an easily controlled system