Parwaaz Card 2026: Rs. 300,000 Overseas Employment Loan Guide

Overseas job offer mil jana Pakistan mein aksar aadha safar hota hai — asal masla visa fees, medical tests, aur ticket ka paisa jama karna hota hai. Bohat se log isi wajah se mehnge agents ya informal lenders ka sahara lete hain. Parwaaz Card isi gap ko formal channel se fill karti hai.

Yeh Loan Hai, Grant Nahi — Farq Samajhna Zaroori

Rs. 300,000 tak ka Qarz-e-Hasna (interest-free loan) milta hai, jo visa fees, medical tests, skill verification, air ticket, aur licensed OEP charges cover karta hai. Lekin yeh wapis karna hota hai — koi cash grant nahi hai. Jo log ise “mufat paisa” samajh kar apply karte hain, unhein yeh samajhna zaroori hai ke yeh ek repayment obligation hai, chahe interest-free ho.

Sabse Important Sharat Jo Log Nazarandaz Karte Hain

Applicant ke paas licensed OEP ka **verified overseas job offer** pehle se hona zaroori hai. Yeh scheme job dhoondne ka zariya nahi — yeh sirf existing offer ko afford karne ka zariya hai. Agar aap ke paas job offer nahi, to aap Job Seeker route se register kar sakte hain, jo aapko verified jobs tak access deta hai, lekin loan tab tak nahi milega jab tak offer confirm na ho.

Co-Borrower Kyun Mandatory Hai?

Har application ke sath ek co-borrower zaroori hai. Yeh banking risk-management ka standard tareeqa hai — kisi bhi bade unsecured loan mein banks guarantor chahte hain, aur Bank of Punjab bhi isi tareeqe se loan process karti hai.

Payment Kaise Milta Hai — Yeh Detail Miss Na Karein

Poori rakam ek sath nahi milti. Pehle 20% cash milta hai, baaki 80% cash aur POS/card-based payments ke zariye specifically approved expenses ke liye release hota hai. Matlab aap poori rakam withdraw kar ke kuch bhi nahi kar sakte — spending track hoti hai.

Age Aur Salary Cap

Umar 18 saal ya zyada, aur job offer ki salary taqreeban SAR 5,000 se kam honi chahiye. Yeh salary cap dikhata hai ke scheme low-to-mid income overseas jobs ko target kar rahi hai, na ke high-paying executive positions.

Agar aap Punjab mein hi apna karobar shuru karna chahte hain overseas jaane ki bajaye, to Asaan Karobar Finance Scheme bhi ek interest-free option hai — dono schemes similar mechanism (Qarz-e-Hasna) use karti hain, sirf purpose alag hai.

Kisi agent ko CNIC ya password na dein — sirf parwaaz.psdf.org.pk ya helpline 1786 istemal karein.