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Roshan apna ghar overseas scheme



Roshan apna ghar overseas scheme


In a high-profile occasion, Pakistani President Arif Ali presented the Roshan Digital Account Scheme in the United Arab Emirates. While speaking at the event, the president praised the UAE’s Pakistani population for its tremendous potential. The community has made major contributions to the advancement and development of its host nation, which they see as their second home.

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The federal government has already introduced groundbreaking initiatives under the umbrella of the Roshan Digital Account, including the Naya Pakistan Certificate (investment scheme), Roshan Apni Car (car financing scheme), and Roshan Samaji Khidmat, in collaboration with the State Bank of Pakistan, in order to increase the inflow of foreign investments and facilitate overseas Pakistanis (charitable programme).

In this way, Roshan Apna Ghar is yet another watershed moment. It is a ‘game-changing’ housing finance initiative targeted at non-resident Pakistanis, as announced by Pakistan’s Prime Minister at a high-profile launch ceremony yesterday. In this blog, we’ve included all of the most up-to-date information we have on the Roshan Apna Ghar programme, including applicant qualifying criteria, the application procedure, and the many forms of funding available.

Roshan apna ghar:

Roshan Apna Ghar may be described as a “long-awaited” project since it allows foreign Pakistanis to buy a home in Pakistan with their own money or with the help of a bank. Prime Minister Imran Khan described the device as a “game-changer” during its introduction.

“I believe this [effort] would help us attract a lot of money because Pakistan needs dollars and abroad Pakistanis are the sole source to close the gap between the country’s exports and imports,” the Prime Minister said at the ceremony.

 More about roshan apna ghar:

Roshan Apna Ghar offers financing options in both conventional and Shariah-compliant modes for terms ranging from three to twenty-five years at exceptionally competitive rates. The programme is built on an end-to-end digital procedure based on a streamlined system that makes applying for house finance or investing in the country’s property industry more straightforward for Overseas Pakistanis. Get the idea from Parkview Islamabad.

Roshan apna ghar features for overseas pakistanis:

Here are some of Roshan Apna Ghar’s notable features:

  • Both conventional and Sharia-compliant financing options are available.
  • Loan repayment terms ranging from 3 to 25 years are extremely flexible and convenient.
  • Every property acquired under the financing arrangement comes with free insurance.
  • Financing rates that are quite appealing (choose between fixed and variable rate options).
  • Other non-resident Pakistanis as co-borrowers are an option (s).
  • Except for non-lien-based financing, the borrower’s personal presence is not required.
  • For pre-approved projects, off-plan funding is available.

The roshan apna ghar initiative’s associated banks:

To date, all major commercial banks have partnered with the SBP to make the Roshan Apna Ghar initiative more accessible to applicants. The following is a list of their names: Get the idea from Eighteen Islamabad.

  • Bank Alfalah Habib Bank Limited is a bank based in Saudi Arabia.
  • Standard Chartered Bank United Bank Limited
  • Faysal Bank is a bank based in Faysal,
  • Muslim Commercial Bank is a financial institution that serves Muslims.
  • Meezan Bank is a financial institution based in Meezan
  • Samba Bank is a financial institution based in South Africa

In roshan apna ghar, there are many types of financing facilities available:

Standard Financing and Government Mark-up Subsidy Scheme are the two types of financing options accessible under the Roshan Apna Ghar Scheme. The following are further facts regarding these two funding options:


Lien-based and non-lien-based financing are the two types of standard financing available.


Banks can finance up to 99 percent of the total property value to Overseas Pakistanis if they are acquiring or constructing a house utilising the Naya Pakistan Certificates or RDA deposit balances while getting a housing financing facility against a lien.

 If you’re taking out a loan to remodel a home, though, you may only borrow up to 40% of the property’s worth. All finance documentation must be signed digitally by the borrower. Even for the completion of a sale or transfer document, however, personal presence is not required.


The loan money is released against the mortgage of the property to be acquired under this kind of financing. When it comes to acquiring or constructing a home, banks will fund up to 85% of the property value for non-lien-based applicants. Similarly, if the financing facility is used for renovation, the loan amount is limited to 30 percent of the property value.

Despite the fact that the borrower must digitally sign the financing documentation, they must also be physically present. If this isn’t practicable, they’ll have to release the Special Power of Attorney to the individual who is conducting business on their behalf. Obtaining property title paperwork from the Registrar is a legal necessity.

how to buy a home with roshan apna ghar:

Non-resident Pakistanis can use their Roshan Digital Account to purchase property directly through the Roshan Apna Ghar programme, without having to apply for any sort of house finance. The procedure is straightforward and is outlined in detail below.

  • First and foremost, they must go to the official website of one of the RDA’s commercial banking partners.
  • Overseas Pakistanis must then simply choose a property and deposit copies of all relevant paperwork.
  • Of course, they won’t be physically there, so they’ll have to choose a representative in Pakistan to execute the sale or purchase.
  • Following that, transfer requirements will be completed in order to transfer the property into the investor’s name.


  • The Roshan Apna Ghar plan was created to make it easier for abroad Pakistanis to receive house finance from any of Pakistan’s major commercial banks. Before you start with house finance, there are a few things you should be aware of:
  • The Roshan Apna Ghar initiative’s financing facility is available for self-selected properties as well as from a list of real estate projects posted on banks’ websites.
  • Before applying for the loan, or after the bank has approved the financing limit based on the applicant’s cash flows and repayment capabilities, the applicant can choose the property.
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Business and Real Estate

Company secretarial service: What you should know



secretarial service

Following the passage of the Limited Liability Partnership Act, 2008, and the Companies Act, 2013, corporate secretarial services have taken on a new level of prominence. As part of document management, you must also maintain statutory and legal compliance issues that form the basis of any company.

Regardless of the organization’s nature, compliance requirements need a supporting structure. Experts in the field of company secretarial services can take care of all types of entities, from corporations to partnerships to general partnerships. See for more information.

 Secretaries of companies are responsible for a variety of tasks

Due to the Companies Act, 2013, the role of company secretaries has grown increasingly important. A company secretary performs a variety of duties so that the company can run smoothly. In addition to fulfilling statutory duties and responsibilities, a corporation must also designate an official secretary. They are controlled primarily by directors, either internally or by a firm that provides secretarial services, like TRC.

Offers for Company Secretariat Services

A business can improve its efficiency and focus on its daily operations when we provide company secretarial services. Our company secretarial services can lower an organization’s indirect costs, because we serve as advisors. Additionally, we provide guidance on legal and compliance issues. Company secretarial services experts at our company have in-depth knowledge of business law, as well as how to make the companies of our clients more efficient.

If you are still undecided, you may be swayed by these benefits to engage our secretarial services.

  1. Affirmation:

Our secretarial services experts take care of all legalities as well as compliance issues, such as internal management.  In this way, they support the firm in running smoothly by recording and resolving issues. A transition from a public company to a private one, or vice versa, is equally critical.

  • Consultative role:

Besides acting as a compliance advisor, our company secretarial services help the company to function internally and externally. Furthermore, our corporate secretarial experts can help you appoint employees for high-level positions, boosting the growth of your company.

  • Completed tasks:

It is our responsibility to make sure that companies file statutory filings on time, as late filings can result in extra fees, fines, or criminal prosecution. Using our expert company secretaries, we ensure compliance and legal aspects of the company are handled.

  • Economical

Instead of recruiting and training your own company secretary, you can utilize the experience and expertise of our company secretarial services. Employers need to invest time in training in-house company secretaries in addition to providing benefits for them. Nevertheless, by using our company secretarial services, you are able to save time and money that can be applied to other aspects of your business.

  • Become knowledgeable

Keeping track of activities and meetings requires constant coordination with multiple teams by a company secretary. Consequently, your organization gains experience working with professionals and gains a better understanding of how things are done. In addition, our company secretarial services include providing expert insight and suggestions in a timely manner. During the exchange of ideas, learners are able to learn more efficiently and align strategies for success in the market.

Using our company secretarial services, you can also receive a fresh perspective, thereby reducing the possibility of errors, redundancies, and omissions. Furthermore, you will also receive regular updates about continuous changes in finance and company law through updates in the software.

Choosing the Right Secretarial Service for Your Business

Through our company secretarial service, TRC Corporate Consulting offers a variety of services such as payroll and accounting, as well as company secretarial services. Depending on your needs, we can help you to improve your business by providing expert insight and unbiased advice. With tailored solutions for your unique needs, we provide personalized services as part of our company’s offerings.

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Business and Real Estate

Types of Influencer Campaigns an Influencer Marketing Agency can Help You With



Influencer Marketing Agency

Influencer marketing is one of the most effective digital marketing strategies available to businesses today. Brands have the opportunity to use influencers to natively target audiences while they spend their free time scrolling through various social platforms. Influencer marketing may be optimised with expert help from an influencer marketing agency to guarantee pin-point precise tactics that generate lasting results.

But what types of influencer campaigns can influencer marketing agencies help you develop?

1. Brand Awareness Campaigns

The first type of influencer campaign an agency can help you develop is a brand awareness campaign. The primary objective of these types of campaigns is to, well, increase brand awareness.

An effective brand awareness strategy will target key demographics and niches in order to reach new potential customers. The influencer marketing agency will work with you to identify the goals of the campaign, develop messaging that resonates and aligns with your brand values, and activate the perfect group of influencers to get your brand in front of as many new, relevant people as possible.

2. Lead Generation Campaigns

The second type of influencer campaign an agency can develop for your brand is a lead generation campaign. These types of campaigns are designed to generate leads that can be converted into customers down the line.

Lead generation campaigns usually involve influencers hosting giveaways or contests on their channels. In order to enter, users must submit their contact information which is then collected by the brand. This is an incredibly effective way to grow your leads list organically.

3. Sales Campaigns

The third and final type of influencer campaign an agency can develop for your brand is a sales campaign. The primary objective of these types of campaigns is to increase sales in the short-term.

Sales campaigns are usually hosted by influencers with large followings and are designed to drive traffic to a brand’s website or brick-and-mortar store. Often times, influencers will offer exclusive discounts or promotions to their followers in order to increase the likelihood of a purchase.

Influencer marketing agencies can help you develop any of these types of campaigns depending on your specific goals and objectives. When executed correctly, influencer campaigns have the ability to drive real business results and leave a lasting impact.

Influencer marketing agencies have years of experience ideating, developing and executing influencer campaigns. They understand the importance of working with the right influencers on the right platforms for your audience. Authenticity is key nowadays, and working with influencers can help humanise your brand.

They can find, vet and brief influencers on your behalf so you can continue with other business operations with confidence that your influencer activities are in safe hands.

Influencer agencies will constantly monitor campaign progress and create tangible, digestible reports that will identify elements that worked well and what can be improved on for your next influencer marketing campaign. In addition to this, they can make any changes required in response to real-time engagement from audiences, ensuring all influencer content is constantly optimised or boosted.

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Business and Real Estate

How to Build a Successful eCommerce Business?



Successful eCommerce Business

Ecommerce is one of the fastest growing forms of business in 2022. Whether you are a young entrepreneur starting out in the world of business or a successful business owner, there is immense scope for building a profitable eCommerce business. This year the eCommerce industry is predicted to be worth $5.55 trillion with 24.5% of total purchases expected to be made online by 2025. Clearly this is not just a trend, it is a valid form of business that should only continue to grow. If you are looking to build your own eCommerce business and tap into this enormous global market, then read the following advice and tips which will help to ensure that your eCommerce venture becomes successful and profitable.

Choose your niche wisely

In the early days of your eCommerce business, you will be looking to attract customers and make them aware of your existence. It makes perfect sense to focus on products and services that are likely to have ongoing demand across the years rather than focusing on flash trends that will disappear soon after they gain huge market exposure. One prime example of this is the enormous demand for fidget spinners and the products relatively rapid decline in popularity. Whilst early sellers of this product are likely to have made significant profits, late entrants to the market ran the risk of holding stock that simply would not sell after the demand dropped. A sustainable eCommerce business is one that chooses products that have year on year demand such as the jewellery, fashion and fitness markets and can offer occasional products in the chosen line that tap into hot trends.

Ensure your eCommerce website is SEO friendly  

Search Engine Optimization is a key facet of every successful website and having a SEO friendly website should be the goal of every eCommerce organization. Regular traffic is vital to the success of any website. There are numerous strategies that need to be incorporated in your website design to ensure this. Some examples include having insightful and well researched content that inspires your target market and producing high quality product images and videos that operate seamlessly in your pages. Fast page loading times are key to keeping your audiences engaged as slow pages will drive customers away and paint a negative picture of your overall operation. Building backlinks from other high-ranking sites can be a key marketing strategy. The fact is that having a comprehensive SEO strategy is both vital to the success of an eCommerce business but can also be difficult to achieve. If you are not ultra SEO savvy, it makes perfect business sense to hire the assistance of a dedicated SEO agency who will be able to use their expertise to get your website the optimum traffic it can. 

Offer customers regular sales and incentives

All prospective customers like to be able to pick up sale items and hunt for bargains. Having a mixture of flash sales that are time limited can excite your customer base when combined with seasonal sales and introductory promotions. These sales activities can also be used to gain customer email addresses that then can be used to form distribution lists for future email promotional campaigns. An ongoing cycle of sales promotions is a key feature in ensuring a regular flow of paying customers to your website and should be budgeted for accordingly.

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Ultimate Articles by Chris Evans