I-IBL
NARC BRANCH
PARK ROAD ISLAMABAD
Dr. Ansar Ali Nccr
President
SOAE Islamabad
0300-611 0263
HBL Consumer
Education
Products
Proposal
for
Society
of
Accounting
HBL, being the largest private bank in Pakistan, has been a leader in providing financial
services to the general public and corporate clients. In line with our motto of providing
world class banking services and products we have introduced a suite of new products
such as Credit Card; auto loans and personal loans within our Consumer Banking
portfolio
HBL VISA Credit Card -Features
HBL Credit Card is a revolving payment and lifestyle instrument to suit the cardholder's
different transactional needs like cash withdrawal, shopping and traveling. The card is
available in 2 variants: Green & Gold.
Some of the salient features of the HBL VISA Credit Card are:
•
•
Limits of upto PKR 500,000
APR as low as 33% p.a
•
Marhaba meet and greet services, at Jinnah Terminal,
( Free for Gold Cards)
•
Cash Advance facility up to 50% of the Credit limit
•
•
ATM access: Locally and internationally at more than 780,000 locations
Facilities such as Free access to CIP lounge at Jinnah Terminal; Free travel
insurance
•
•
Insurance and credit protection at very nominal rates
Balance transfer facility
•
SMS alerts on transaction for security
•
•
Minimum payment of 5% of outstanding balance
Rewards points
at nominal rates
NARC Branch, park road chak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer@hbl.com
htto:www.hbl.com
'-tBL
NARC BRANCH
PARK ROAD ISLAMABAD
To facilitate our corporate relationship and enable the client to manage and control
expenses while ensuring conve~ience and security the HBL VISA credit card can offer
the following tailor made services:
•
•
Limit assignments based on corporate request of up to PKR 0.5 Million.
Monthly MIS highlighting the following:
Merchants where the card has been utilized
Individual Bills and transaction reporting
•
Reward points redeemable on various items such as fuel vouchers, electronic
items and so on.
•
Dedicated resource for personalized handling of complaint and service related
issues.
•
Payments through a single cheque.
Insurance Plans
Credit Shelter
Description
The outstanding balance on the customer's card account will be covered under the
following events:
•
Cardholder's Death
•
Permanent disability
•
Temporary disability
Premium & Billing
0.35% of the outstanding balance billed every month after enrollment.
Credit Shelter Plus
Description
The outstanding balance on the card and amount equivalent to the credit limit will be
covered under the following events:
NARC Branch, park road chak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer@hbl.com
http:www.hbl.com
I-IBL
NARC BRANCH
PARK ROAD ISLAMABAD
•
Cardholder's Death
•
Permanent total disability.
Premium & Billing
0.073% of the credit limit billed every month after enrollment.
Income Continuation Plan
Description
A lump sum amount initially plus a monthly payment for a period of 5 years, in the
following events:
•
Card holder's Death
•
Permanent Total Disability
Lump sum payment -Rs. 250,000/Monthly Payment - RS.10, 000/- for 5 years
Premium - Rs. 399/- Flat per mont.h
Total Assurance
Description
Total Assurance offers a complete protection plan for the cardholder - home contents,
financial and personal accident coverage.
Coverage Events & Limits:
NARC Branch, park road chak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer(Cilhbl.com http:www,hbl.com
I-IBL
NARC BRANCH
PARK ROAD ISLAMABAD
Coverage
Plan A Limits (Rs.)
Plan B Limits (Rs.)
Home Content
Cash
Jewelry
Wallet Guard
Purchase Protection
ATM Withdrawal
Accidental Death
200,000
8000
40000
40000
5000 to 25,000
25000
100,000
300000
16,000
80,000
40,000
5,000 to 50 000
25,000
200000
Total Coverage
438,000
711,000
Premium & Billing
•
A flat premium of Rs. 150 will be charged for Plan A
•
A flat premium of Rs. 260 will be charged for Plan B
When compared to the market the HBL Credit card offers a better suite of services at
better rates which are backed by' a state of the art call centre which operates round the
clock to service card members requirements.
Subject: HBl Car loans for Society of accounting education
We would like to introduce HBL Car Loans, a convenient and hassle-free route for the financing
of your preferred car, backed by superior service and support.
HBL Car Loan - Conventional
Lease
HBL Car Loan, the conventional lease plan, allows financing of a wide variety of new and used cars
through an easy monthly installments plan for those who would like to own the car at the end of the
lease term.
Product Features
o
o
o
Tenure:
Minimum
Mark up
•
o
o
o
Security Deposit requirement:
IRR
Processing Charges:
Early settlement charges
principle including FED
tracker installed
1 to 7 years
20% of Invoice Price of Vehicle
18% fixed over the term
Rs. 6,960 per application
5.8% of the outstanding
NARC Branch, park road chak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer(ci)hbl.com htto:www.hbl.com
I-IBL
NARC BRANCH
PARK ROAD ISLAMABAD
HBL Personal Loans
We offer this facility to all the employees whose salary account and the organization's
main accounts are maintained with HBL with least documentations,
and the only thing
which we require from the department is the Letter of Employer. (Attached)
The features and facilities are as under;
•
Loan extended for personal use i.e. Education, Medical, Home Renovation.
•
Loan amount: Rs.25,OOOto Rs.2 Million
•
Repayment tenure: 12 to 60 months
•
Top up facility: Available after every 12 months
•
Free insurance
In this regard, our pricing structure includes processing fee and the markup
rate. The processing fee is Rs. 3,0001- or 1% of the loan amount whichever is
higher (one time only) and markup rate ranges between 21 % p.a. to 29% p.a.
depending upon the risk assessment of the customer.
If you feel there is any point that needs further discussion or clarification, please contact any
time.
Looking forward to a mutually beneficial and sustained relationship in times to come.
~~(lo.
Best Regards,
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Ghulam
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Branch Mana
Cell:+9232185
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NARC Branch, park road ehak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer@hbl.eom
http:www.hbl.com
I-IBL
NARC BRANCH
PARK ROAD ISLAMABAD
LETTER FROM EMPLOYER
Dated:
_
The Branch Manager,
Habib Bank Limited,
Dear Sir,
This is with reference to the HBL Personal Loan application submitted by our employee, detail
given below,
Name:
_
Father/Husband name:
CNrc NO:
Employed Since:
This is to confirm that his/her Net salary amounts to (PKR)
being credited at HBL branch in the account Number
and is currently
. We further
confirm that the salary will be deposited regularly in respective HBL branch and we will seek No
Objection Certificate (NOe) from the branch prior to his account Transfer/Closure incase of
retirement / termination / transfer or resignation of the said employee.
To be signed /stamped by authorized salary
Disbursing Authority HR/PERSONNEL
Name of the person signed:
Designation / Department:
Office Address and Telephone Number:
NARC Branch, park road chak shahzad Islamabad. Phone: 9255013-17
Fax: 9255012. Email: ghulam.naseer@hbl.com
http:www.hbl.com