Lord Trade Centre Office 315, 3rd Floor, F-11 Markaz, Islamabad cs@hazirfinancial.com
Hazir Financial Services (Private) Limited
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Loan Services

Credit solutions matched to real requirements

From short term personal financing to working capital for small traders, each product carries defined limits, documented pricing and a repayment plan agreed in advance.

Home Loan Services
Product Portfolio

Our loan product portfolio

Four core offerings cover the majority of financing needs we receive from clients in Islamabad and other major cities.

Featured

Personal Loan

Unsecured instalment financing for education, medical expenses, home improvement, travel or urgent household needs.

  • PKR 30,000 to PKR 500,000
  • Tenure of 3 to 24 months
  • No collateral required
Full product details

Small Business Working Capital

Short cycle funding that lets retailers, wholesalers and service providers restock inventory and settle supplier invoices on time.

  • PKR 100,000 to PKR 2,000,000
  • Tenure of 6 to 24 months
  • Business registration or trade proof required

Salaried Professional Credit

Instalment credit aligned to the monthly salary cycle of employed applicants, with repayment dates set close to the payroll date.

  • Up to 3 times net monthly salary
  • Tenure of 3 to 18 months
  • Salary slip and bank credit history required

Loan Advisory and Structuring

Guidance for clients holding multiple obligations, covering consolidation options, tenure selection and realistic repayment planning.

  • Repayment capacity review
  • Consolidation and restructuring options
  • Written summary of recommendations
Eligibility

Requirements and documents

Meeting the criteria below does not guarantee approval, but it allows us to complete the assessment quickly and issue a decision without repeated requests for information.

  • Pakistani national aged between 21 and 60 years
  • Valid Computerised National Identity Card
  • Documented monthly income from employment or self employment
  • Bank statement covering the last three to six months
  • Active mobile number and residential address proof
  • Business operating for at least twelve months
  • Trade licence, registration certificate or verifiable market presence
  • CNIC of the owner or authorised partner
  • Business bank statement covering the last six months
  • Basic sales record or purchase invoices for the recent period
Applicant preparing loan documents for submission
Pricing

Transparent pricing and repayment terms

All figures below are indicative ranges. Your final offer depends on assessed risk, tenure and product, and is always confirmed in writing.

Component
Basis
Indicative Range
Service Fee
Percentage of approved principal, deducted at disbursement
1.0% to 3.0%
Monthly Interest
Applied on outstanding principal per month
1.8% to 3.0%
Maximum Annual Cost
Total cost expressed on an annualised basis
Not exceeding 36%
Late Payment Charge
Fixed amount per overdue instalment, disclosed in the agreement
Capped and disclosed upfront
Early Settlement
Full repayment before the scheduled maturity date
No penalty

We do not charge application fees, processing deposits or any payment before disbursement. If anyone requests an advance payment in our name, please report it to cs@hazirfinancial.com immediately.

Process

Application and disbursement process

Five defined stages, each with a clear owner and expected timeline.

Stage 1 · Enquiry

You email your requirement, city and indicative amount. Our team replies with the applicable product and document checklist.

Stage 2 · Document Submission

Identity, income and banking documents are submitted for verification. Incomplete files are flagged within the same day.

Stage 3 · Credit Assessment

An analyst reviews identity, income stability and existing obligations to determine an affordable amount and tenure.

Stage 4 · Written Offer and Agreement

You receive the approved amount, total payable and full repayment schedule. Funds are released only after your signed acceptance.

Stage 5 · Disbursement and Repayment

The approved amount is transferred to your nominated bank account, and instalment reminders are sent before each due date.

Questions

Frequently asked questions

Personal loans and salaried credit are unsecured, so no collateral is required. For larger business facilities we may request a reference or additional documentation depending on the assessed profile.

Complete applications generally receive an initial decision within one to two business days. Delays usually occur when income documents or bank statements are missing or unreadable.

Yes. Early settlement is permitted at any time without penalty. Write to our client service address to receive an updated settlement figure.

A disclosed late payment charge applies and our team contacts you to agree a way forward. If your circumstances have changed, inform us early so a revised schedule can be considered.

Our registered office is in F-11 Markaz Islamabad, and we serve applicants in major cities nationwide. Document submission and communication are handled by email.

Not sure which product fits your requirement

Describe your situation and the amount you need, and our team will recommend the most suitable option.

Send an Enquiry Personal Loan Details
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