Roshan Apna Ghar Scheme for Overseas Pakistani – Prime Minister Pakistani

Roshan Apna Ghar offers quick and suitable solutions to get housing finance in stress-free and affordable monthly instalments. This facility will be offered for customers who either one willing to keep their investment as lien against their net financing amount as deposit or avail financing without cash indemnity. Further, this will also be available to all the customer of Govt Mark-up Subsidy Scheme (G-MSS) for housing finance as per already defined criteria under respective tiers.

Salient Features

  • Customer must be a Bank Roshan Digital Account Holder
  • Maximum financing against property value
  • Exclusive Price Offering
  • Flexibility to make partial pre-payments with zero charges after first year
  • For first year 1% will be charged upon Early Termination after words NO charges will be levied.
  • Processing fee Rs. 4,000/- (exclusive of FED)
  • Optional life Insurance covering death (due to any cause) and accidental/natural disability
  • Property Insurance (covering the financing amount) absolutely FREE for customers

Govt Mark-up subsidy scheme (GMSS) for housing finance will be applicable as per already defined criteria under respective tiers

Invest in Real-Estate and / or avail Housing finance in Pakistan through an entirely digital application. This facility will be available for customers who are either willing to keep their investment (NPC and INPC) / RDA balance as lien against their financing amount or avail facility without any lien.

The facility of Roshan Apna Ghar can only be availed by customers holding a Roshan Digital Account. In case you have not opened an account as yet, please click here and visit your desire Bank Limited’s Roshan Digital portal for a hassle-free account opening process.


Eligibility Criteria

You are eligible to apply for Roshan Apna Ghar facility based on the following:

  • All Roshan Digital Accountholder with Banks Limited with valid NICOP / POC
  • Co-applicant / Nominee residing in Karachi, Lahore, Faisalabad and Islamabad (or nearby cities)

In Case of Co-borrower:

  • Should be a Non-Resident Pakistani being a Roshan Digital Account holder with Banks
  • Option only available for the purpose of income clubbing
  • Option available for both Lien-Based and Non-Lien Based Financing
  • Up to 4 co-borrowers allowed

In Case of Co-Applicant:

  • Can only be a Resident Pakistani
  • Requirement of Co-Applicant is mandatory for Non-Lien Based Financing, however it is optional for Lien-Based Financing
  • Co-Applicant can only be an eligible family member, which include spouse, parents, siblings and children
  • Only ONE co-applicant is allowed

In Case of Nominee:

  • Can only be a Resident Pakistani
  • Option only available for Lien Based Financing or Payment by Self
  • Applicant may appoint any individual as a ‘Nominee ’to carry out assignments on his behalf (which include family members, friends, lawyers, agency, etc)
  • Only ONE nominee is allowed

Age (Applicant and co-Applicant):

  • Salaried: 20 to 60 years (it may be extended to 65 years based on provided applicant justifies that he / she can make payments even after retirement age only for lien customer)
  • Self Employed: 20 to 65 years

Employment / Business Tenure:

  • Lien Based Application:  Minimum overall employment / Business tenure will be one year
  • Non-Lien Based Application: Minimum overall employment / Business tenure will be two years

Documents Required

  • Copy of Valid CNIC
  • Salary Slip/ Bank Statement
  • Employment Letter
  • Valid Passport
  • Proof of NRP status (Visa Entry / Exit stamp page

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