Business and Real Estate

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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