Soneri Bank Personal Loan 2025 is a financing facility designed for salaried individuals to help them meet their immediate financial needs. Whether it is for a wedding, home renovation, children’s education, or debt consolidation, Soneri Personal Finance offers a flexible and quick solution. In 2025, Soneri Bank streamlined its approval process to ensure faster disbursement with competitive markup rates.
Key Features of Soneri Personal Finance 2025
- Financing Limit: Get a loan of up to PKR 3 Million (Subject to income analysis).
- Flexible Tenure: Repayment period ranging from 1 year to 5 years.
- No Hidden Charges: Transparent processing charges.
- Top-up Facility: Existing customers can apply for a loan top-up after regular repayments.
- Balance Transfer Facility (BTF): Option to transfer your existing loan from another bank to Soneri Bank at a lower rate.
- Insurance Coverage: Life insurance coverage is available to protect the family in case of unforeseen events.
Eligibility Criteria
To apply for the Soneri Personal Finance scheme in 2025, applicants must meet the following requirements:
- Citizenship: Must be a Pakistani national.
- Employment Status: Must be a Salaried Individual (Permanent or Contractual).
- Age Limit:
- Minimum: 21 Years
- Maximum: 60 Years (at the time of loan maturity).
- Income Requirement:
- Minimum net monthly salary of PKR 30,000 to PKR 50,000 (varies by city and employer listing).
- Work Experience:
- Permanent Employees: Minimum 1 year in current employment.
- Contractual Employees: Minimum 2 years of continuous employment.
Documents Required for Application
To ensure quick processing, keep these documents ready:
- CNIC: Copy of valid Computerized National Identity Card.
- Photographs: 2 recent passport-size photographs.
- Salary Slips: Original salary slips for the last 3 months.
- Bank Statement: Bank statement for the last 6 months (showing salary credit).
- Employment Proof: Letter from the employer confirming job status and tenure.
Mark-up Rate & Charges (2025)
- Interest Rate: The markup is usually based on 1-Year KIBOR + Spread. (Rates are subject to change based on State Bank policies).
- Processing Fee: A non-refundable processing fee (approx. PKR 4,000 – 5,000 or a percentage of the loan) is charged upon approval.
How to Apply for Soneri Bank Personal Loan
There are three ways to apply:
- Visit a Branch: Go to your nearest Soneri Bank branch and fill out the application form.
- Call Helpline: Call the Soneri Bank 24/7 helpline to request a representative visit.
- Online Request: Visit the official Soneri Bank website and submit a “Product Inquiry” form.
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