ubl bank jk

8/18/2019 UBL bank jk

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It begun with a vision, a vision of unparallel progress and unmatched excellence

true to the spirit of the era! November 7th 1959, Paistan witnessed an event that

would change the wa we baned forever" It was not #ust the inauguration of $%&'s

(rst branch at I"I" )hundrigar* it was also the birth of the culture of service, a culture

of innovation and a culture of (nancial excellence!

% +une 19-, shortl after six months of opening its doors to the public, $%& hadbranches in.

/arachi0acca &ahore&allpur)hittagong and Naraangan#

In 19, $%& became the (rst ban in Paistan to have a branch overseas2 on

3illiam 4treet in &ondon, $nited /ingdom" rue to our promise of providing service

and care beond the ordinar to our customers, $%& and 6ou have had a histor"

he (rst saving scheme for school going children was launched as earl as 19- or

the formation of Paistan's (rst 4ta )ollege of emploees in 198, $%&, through

the motivation of its sta and the trust of its customers, continued to grow at aspectacular pace" In 197, $%& had hit the dawn on information in terms of

technolog, b introducing computer baning to Paistan and in 1971, $%& once

again paved the wa b launching online branches in /arachi" he newl formed

state of Paistan was witnessing the boom of industries and commerce cannoned

b a ban that believed in the potential growth of Paistan" 4mall wonder then, b

197:, $%& had a pledged economic department, had ac;uired two international

bans" $%& also launched supervised credit and small loan schemes for small to

medium siupees traveler che;ues in 1971" 4taing true to its roots, $%& was also the (rst

ban to have an Islamic baning division and the (rst to introduce e2baning

facilities at ?a##"

In the 199-'s the government of Paistan decided to change the face of baning b

creating a blueprint to privati


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o be a world class ban dedicated to excellence, and to surpass the highest

expectations of our customers and all other staeholders

Mission

• 4et the highest industr standard for ;ualit, across all areas of operation, on

a sustained basis

• Aptimi


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• more

UBLSahulatLoan

• UBL %a#ulat Loan gives "ou access to cas# #ile maintaining and groing "our savings. /ou can borro

against "our savings to meet "our business. UBL %a#ulat facilit" is available against deposit account and

overnment %ecurities including 0%$s' %%$s and RI$s.

UBLSmartCashLoan

• UBL %mart $as# offers "ou eas" access to cas# as "ou can get up to 123 cas# against "our investments *

savings in UBL Mutual 4unds. %mart $as# provides "ou a financial solution it# fle!ibilit".

• more

UBLPrimeMinister’sYouthBusinessLoan

• &rime Ministers /out# Business Loan sc#eme is an initiative b" overnment of &akistan for small

businesses particularl" unemplo"ed educated "out# for establis#ing or e!tending business enterprises

t#ereb" promoting entrepreneurs#ip and reducing unemplo"ment 5 povert" in &akistan.

What is the Markup-Rate?

Aur marup rate is lied with 1 6ear /I%A>* however we oer dierent rate ever

month based on /I%A> rate for that particular month" Bor an further ;ueries ou

can contact our 4ales Person"

What should be the minimum property value?

>s" : lacs

Can I take the loan aainst commercial property?

NA, onl residential propert

!o" much time "ill it take to process my loan application?

he processing time re;uired from the time ou give in our application to the time

ou are (nall handed over our loan amount, ranges from 15 to @- das" Provided

all the re;uired documents that ou provide are in order"

What is the #ree insurance deal?

hroughout the maret, Propert Insurance is mandator for ?ome &oan Products"

=ll other bans charge insurance fee from the customers, where as with $%&

=ddress we provide it to ou absolutel free of cost"

I live in $%& area' am I eliible to avail your #acility?

Please contact our 4ales Person for our eligibilit to avail the facilit"

What (re the Repayment modes?

http://www.ubldirect.com/corporate/SMEProductServices/UBLWusateKarobarLoan.aspxhttp://www.ubldirect.com/corporate/SMEProductServices/UBLSmartCashLoan.aspxhttp://www.ubldirect.com/corporate/SMEProductServices/UBLWusateKarobarLoan.aspxhttp://www.ubldirect.com/corporate/SMEProductServices/UBLSmartCashLoan.aspx


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• 0rop %ox Bacilit

• Phone %aningC

• Internet %aningC

• )ash

C If customer maintains an account in $%&

What "ould be the tenor o# the loan?

he tenor can range between to @- ears depending upon the facilit that ou

choose"

Can I trans#er my e)istin house loan to *+, (ddress*?

3ith our D%alance ransfer BacilitD ou can now transfer our existing home loantaen from an other ban or (nancial institution to $%& =ddress" 6ou will have the

opportunit to avail low mar2up, maximum Eexibilit and free propert insurance

option at $%& =ddress"

My monthly household income is Rs. /0'000 "hile my individual income is

Rs. 10'000. 2o I 3uali#y?

6ou can appl through income clubbing also if minimum income re;uirement is

ful(lled F)onditions appl for spouseGs age limit H profession"

Will I have to pay any other chares besides the mark-up on the loan?

here are nominal charges for application processing, appraisal and incomeestimation, hese charges are non2refundable

What is 4ree Property Insurance?

hroughout the maret, Propert Insurance is mandator for ?ome &oan Products"

=ll other bans charge insurance fee from the customers, where as with $%&

=ddress we provide it to ou absolutel free of cost"

What is the 5o Prepayment Penalty #eature?

3ith $%& =ddress Bixed >ate Plan, if a customer wishes to settle hisJher loan an

time after the (xed rate period has lapsed, there will be no pre2pament penalt

charged provided that the customer settles the loan via cash" In the case of %B etc,

prepament penalt will be levied K 8L of the outstanding loan amount at the time

of its settlement"

What are Partial Payments?


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Partial paments are paments over and above a customerGs monthl installment" If

a customer wishes to mae repaments in addition to hisJher monthl installment,

we allow the customer to mae it once a ear"

Partial Pre-Payment #or previous ac3uisitions6

•

Partial pament FGNo Penalt option is allowed once a ear" he amount ofpartial pament should be in the range of >s"5-, --- or monthl

installments"

• If a customer, decides to partiall pao an amount that is in excess of his

monthl installments, he will be charged a penalt of 8L in the (rst ear, L

in the second ear and @L in the third ear onwards, on his additional partial

pament amount"

• If the customer wants to mae more than one partial pament of an amount

in a 1@2month period then he will be charged a penalt of 8L in the (rst ear,

L in the second ear and @L in the third ear onwards, on his full J@nd

subse;uent partial pament"

4or 5e" (c3uisitions6

Max monthl installments, penalt charges appl on amount exceeding >s" 5-,---

or monthl installments"

• :L for 6ear 1,

• 5L for 6ear @,

• L in 6ear H onward

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