NIB Home Finance

B A N K S 4 A L L

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Your Path to Homeownership Without Interest

Unlock your dream home with our flexible NIB Home Finance options. Enjoy interest-free financing tailored to your needs!

Features & Benefits

Why NIB for Financial Future?

Interest-Free Solutions

No interest, ever. All financial dealings are ethically driven.

Shariah-Compliant

We adhere to Shariah principles in every transaction.

Transparent & Fair

Clear, upfront terms with no hidden fees.

Tailored Services

Financial products designed to meet your specific needs.

first step towards interest-free homeownership!

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🚀 Income Levels & Documentation Requirements

Income Levels

Stable Income: Must demonstrate a steady and sufficient income to support home finance repayments.
Debt-to-Income Ratio: No more than 30-40% of monthly income should go toward repayments.
Joint Applications: If income is below the threshold, apply with a spouse or family member to combine incomes.

Documents Required for Individuals

Identification Documents: Valid government ID (passport, national ID, driver’s license).
Proof of Income:
- Salary slips for the last 3-6 months.
- Bank statements showing regular salary deposits.
- Tax returns (for self-employed).
- Business income statements (for business owners).
Employment Verification: Letter from employer confirming job status and salary.
Proof of Address: Utility bills or rental agreements showing current residence.
Credit Report: May be required for assessing financial history.
Proof of Additional Income: Documents for other income sources, like rental or freelance work.

Documents for Joint Applications

All co-applicants must provide the same documentation as the primary applicant.

Property-Related Documents

Property Title Deed: Proof of ownership for the financed property.
Property Valuation Report: Independent valuation to assess market value.
Sales Agreement: Agreement of sale between buyer and seller.

Down Payment

Minimum Down Payment: Typically 15% to 30% of the property’s value.
Proof of Funds: Bank statements or savings account balances to show down payment capability.

Additional Documentation

Guarantor Details: May be required if income is low or credit history is insufficient.
Existing Debts: List of current debts to assess overall financial status.

Shariah Compliance

Declaration of Shariah Compliance: Agree to follow Shariah principles, ensuring the transaction is ethical and free from interest (Riba).

For Business Owners/Self-Employed

Additional Financial Documents: Business registration, audited financial statements, proof of income.
Income Tax Returns: Required for the last 2-3 years to verify income levels.

Features & Benefits

📝 Ready to Get Started?

Please fill out the form below to begin your NIB account opening process. Our team will review your application and guide you through the next steps.

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Purpose of the NIB Property

این آئی بی پراپرٹی کا مقصد؟

Property: search status and location

پراپرٹی: تلاش کی حیثیت

Location

پراپرٹی کا مقام

Amount required for NIB Property

بغیر سود کی جائیداد کے لیے مطلوبہ رقم

Property value

آپ کا خیال گھر کی قیمت سے متعلق ہے۔

Duration

قرض کتنے عرصے کیلئے چاہئے؟

Your saving to buy this property

اس پراپرٹی کو خریدنے کے لیے آپ کی بچت

Are you under 36?

کیا آپ کی عمر 36 سال سے کم ہے؟

Valid identity documents

Please select only valid documents you possess آپ کے پاس کونسے ویلڈ کاغذات ہیں ؟

Type of Job Contract

ملازمت کے معاہدے کی قسم

Job Contract Hours

آپ کتنے گھنٹے کام کرتے ہیں۔

Last Year CUD

CUD / Unico 2024

Payslip of Last Month

پچھلے مہینے کی پے سلپ

Other family members with a job contract

کیا آپ کے خاندان کے دیگر افراد ہیں جن کے پاس ملازمت کا معاہدہ ہے؟

Contact information

رابطے کی معلومات

First name

First

Last

Telephone

Special note

کوئی خاص نوٹ شامل کریں جسے آپ ہمارے ساتھ شئر کرنا اہم سمجھتے ہیں۔

Privacy disclaimer

I ACCEPT the terms set forth in the Mediation Agreement and the consent set forth in the Privacy Policy
I AGREE to be contacted by telephone by an independent consultant for a individual consultation

Confuse, Still Not Sure?

We’re here to help! Whether you need answers to common questions or want to reach out to us directly, we’ve got you covered.

Client Testimonials

Love from Our Customers

Here’s what Banks4All Customers Say about their Experience with NIB Services.

 4.5/5

4.9 of 5 (3600 reviews)

 3.5/5

5 of 5 (1295 reviews)

 4.9/5

4.9 of 5 (3600 reviews)

 5/5

5 of 5 (1295 reviews)

James H., Italy

NIB allowed me to buy my first home, ethically and transparently.

Lily T., Italy

I trust NIB to manage my savings without the burden of interest.

Michael B., Italy

NIB’s services are perfectly aligned with my financial and ethical values.

Sophia W., Italy

Very Professional & Expert team, they guide me about NIB’s services perfectly.

Imran K., Italy

My savings not only grow but also contribute to helping families avoid debt.