We are pleased to inform you that ICAP has arranged exclusive preferential consumer finance offers for its members through Habib Bank Limited (HBL). These special arrangements provide discounted financing rates, waiver of processing fees, reduced prepayment charges, and dedicated banking support designed specifically for ICAP Members.

Key benefits include:

• Preferential Home Finance rate of K+1.9%.
• Exclusive Auto Finance rate of 11.99% (valid until 30 September 2026).
• Preferential Personal Loan rate of 25.99%.
• Reduced Ready Cash pricing at 27% APR.
• Processing fee waiver on all eligible consumer finance products.
• 50% reduction in early settlement and prepayment charges on Home Finance, Auto Finance, and Personal Loan facilities.

Applications and approvals will remain subject to HBL’s prevailing policies, eligibility criteria, credit assessment, and applicable terms and conditions.

Title	View
HBL Proposal for ICAP Members
ICAP Acceptance Letter

For Facilitation & Inquiries:

Mr Toqeer Pasha, Senior Manager Institutional Sales, Toqeer.pasha@hbl.com, 03333861615

Please note that availing this offer shall be entirely at the sole discretion of ICAP Members based on their individual assessment and requirements. ICAP will neither influence any Member to avail the offer nor assume any responsibility or liability whatsoever for any arrangement, transaction, facility, or relationship established between them and Habib Bank Limited.