Offers Allied Bank Solar Panels on Easy Installments mein bijli ke rates barhtay ja rahe hain aur load shedding ka masla ab bhi waisa hi hai. Aise mein solar energy ab sirf aik option nahi, balke zarurat ban chuki hai. Lekin solar system lagwanay ke liye jo initial cost hoti hai, wo aksar logon ke liye mushkil hoti hai. Is problem ka solution dene ke liye Allied Bank Limited (ABL) ne “Allied Solar System Finance” ka aaghaz kiya hai jismein aap asaani se long-term installments mein solar system lagwa saktay hain.
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Allied Solar System Finance Kya Hai?
Yeh aik khas loan facility hai jo Allied Bank un logon ko deta hai jo apne ghar par solar panels lagwana chahtay hain. Iska maqsad hai ke log bijli ke mehngay billon se nijaat paa sakain aur apni bijli khud generate karke energy independence hasil kar sakein.
Loan ka size Rs. 2 lakh se le kar Rs. 30 lakh tak hai, jo aap 7 saal tak asaani se wapas kar saktay hain. Markup rate market ke mutabiq hai aur process bhi bilkul simple banaya gaya hai.
Key Features aur Faide
Yeh financing plan aapko yeh faide deta hai:
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Loan Amount: Rs. 200,000 se Rs. 3,000,000 tak
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Duration: Maximum 7 saal tak
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Equity: Applicant ko kam az kam 30% khud invest karna hoga
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Repayment Flexibility: Har saal baad 4 balloon payments ki option
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Prepayment: Aap poora loan jaldi bhi wapas kar saktay hain (charges apply)
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Transparent Process: Koi hidden charges nahi
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Processing Fee: Sirf approval ke baad lagti hai
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Approved Vendors: Sirf ABL ke registered solar vendors se system lagwana hoga
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Use Restriction: Loan sirf solar panel system ke liye use ho sakta hai
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Kaun Apply Kar Sakta Hai?
Allied Bank ne eligibility broad rakhi hai taake zyada se zyada log faida utha saken.
Basic Requirements:
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Pakistani nationality
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Age: 21 se 59 saal tak (loan maturity pe)
Salaried Individuals ke liye:
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Permanent job
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Kam az kam 2 saal ka experience
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Net monthly income: Rs. 50,000
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At least 6 months banking history (kisi bhi bank mein)
Self-Employed logon ke liye:
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ABL clients: Rs. 75,000 income, 2 saal ka business experience
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Other banks: Rs. 100,000 income, 3 saal ka experience
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Banking relationship: 1 saal (ABL), 2 saal (non-ABL)
Kahan Solar Panels Lagwa Saktay Hain?
Sirf residential property par system lagaya ja sakta hai.
Eligible Properties:
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Aapke apne naam par property
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Spouse, parents ya bachon ke naam par
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Family ke sath jointly owned property (co-owner ki permission chahiye hoti hai)
Joint ownership mein Personal Guarantee aur Disclaimer Letter bhi required hota hai.
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Required Documents
Loan apply karne ke liye yeh documents chahiye hote hain:
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CNIC copy (applicant + co-owners)
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2 passport size photos
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Income proof (salary slips / tax return / bank statement)
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Property documents (title, utility bill)
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Vendor quotation (ABL approved vendor se)
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Bank account maintenance letter (agar zarurat ho)
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Business documents (proprietorship ya partnership letters)
Markup Rate aur Pricing
Markup rate SBP (State Bank of Pakistan) ke refinance scheme ke mutabiq hai:
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SBP Refinance ke under: Fixed 6% per year
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Without Refinance:
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Salaried: 1-Year KIBOR + 3%
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Self-Employed: 1-Year KIBOR + 3.5%
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Yeh rates normal personal loans se kafi behtar hain.
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Asaan Repayment Options
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Loan Tenure: Max 7 saal
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Balloon Payments: 4 allowed (1 saal ke gap ke sath)
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Early Payoff: Allowed (charges apply)
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Late Payment Penalty: Late hone par fine lagta hai, aur credit score bhi effect hota hai
Apply Kaise Karein?
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Apne kareebi Allied Bank branch mein jaayein
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Application form aur required documents submit karein
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Bank application ko review karta hai
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Approval ke baad processing fee charge hoti hai
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Loan disburse hone ke baad vendor system install karta hai
Note: Installation sirf Allied Bank ke approved solar vendor se hi karwana hoga.
Aakhri Baat
Bijli ke high rates aur load shedding ke dor mein solar system lagwana aik smart aur zaroori investment hai. Allied Bank ka yeh plan middle-class aur upper-middle class families ke liye khas tor par design kiya gaya hai jahan aap easy monthly installments mein apna system lagwa saktay hain – bina savings kharch kiye.
Agar aap bhi ghar mein solar lagwana chahtay hain, to aaj hi apne near Allied Bank branch ka rukh karein aur “Allied Solar System Finance” ka faida uthayein apni bijli khud banayein, aur apne future ko roshan karein!