Wazir-e-Azam Apna Ghar Program – ‘Ghar Ho Tu Apna’)

Applicants Details

Declared Monthly Income

Existing Credit History

Bureau Record Findings

Income Proxy - Methods

Formal Segments

Credit Turnover Bank / Wallet A/c

Credit Turnover (6 months)

Average Credit Turnover

Average Bank / Wallet Account Bal

Average Balance (12 Mths)

Credit Bureau

Bureau Record Available

Existing EMIs

EMI of Home Loan

Informal Segments

Utility Bills

Joint Residence

% Share in Bills Payment

12 Months Average Utility Bills

Bills into Times (x12)

Educational Expenses

Monthly Expenses

Ed. Exp into Times (x3.5)

Rent

Joint Residence

% Share in Rent Payment

Monthly Rent

Rent into Times

Informal Business with Purchase Record

Monthly Purchases/Sales

Average Margin 12%

Cash Salary

Monthly Salary

Telco

12 Months Average Top Up

Top up into Times (/ 5%)

Income Proxy & EMI Proxy

#	Income Proxy Board	Amount (PKR)
1	Declared Income	PKR 0
2	Proxy Income (Calculated from Preferences)	PKR 0
3	Final Monthly Income (Minimum of Proxy & Declared Income)	PKR 0
4	Estimated EMI	N/A

Instructions:
* Based on Final Monthly Income & Estimated EMI, Bank shall decide eligible Loan Amount of the customer.
* This sheet only provides calculated Final Income or Estimated EMIs based on defined logic. Final decision always compliance with all other policies related to the product.