Roshan Apna Ghar | HBL Pakistan

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Overview

Roshan Digital Account is a remarkable initiative led by the State Bank of Pakistan (SBP) for the ease of millions of Non-Resident Pakistanis (NRPs) residing across the world. HBL is pleased to be amongst the highest contributors in collecting deposits through the RDA account.

Roshan Apna Ghar is a House Finance facility that is available to all customers of Roshan Digital Account (RDA), Naya Pakistan Certificates (NPCs), and Islamic Naya Pakistan Certificate (INPC). This facility will be available for customers who are either willing to keep their investment as a lien against their net financing amount as collateral or avail of financing without cash collateral. Further, this will also be available to all the Government Mark-up subsidy scheme customers for housing finance.

If you face any issues during the application process, send us an email at complaint.rag@hbl.com

ROSHAN APNA GHAR - WITHOUT LIEN
ROSHAN APNA GHAR - WITH LIEN

Purchase of completed residential property, house construction, including land purchase or renovation of house/apartment.
Financing limit between:
- Purchase - PKR 500,000 to PKR 100,000,000*.
- Construction - PKR 500,000 to PKR 100,000,000*.
- Land + Construction – up to 50% of financing limit for land purchase, remaining for construction*.
- Renovation - PKR 500,000 to PKR 10,000,000*.

*Financing requests over & above these limits will be subject to Bank’s discretion.

Equal monthly installment.
Financing tenure from 3 to 25 years.
Financing up to:
- Purchase - 85% of property value.
- Construction - 85% of property value.
- Renovation - 30% of property value.
Optional life Takaful* covering death (due to any cause) and accidental/natural disability.

*Terms & Conditions apply

Property Takaful (covering the financing amount) is FREE for customers.
Co-Finance is allowed. (More than one can be considered).
Easy Repatriation

Purchase of completed residential property, house construction, including land purchase or renovation of house/apartment.
Financing limit between:
- Purchase - PKR 500,000 to PKR 100,000,000*.
- Construction - PKR 500,000 to PKR 100,000,000*.
- Land + Construction – up to 50% of financing limit for land purchase, remaining for construction*.
- Renovation - PKR 500,000 to PKR 10,000,000*.

*Financing requests over & above these limits will be subject to Bank’s discretion.

Equal monthly installment.
Financing Tenure from 3 to 25 years.
Financing up to:
- Purchase - 99% of property value*.
- Construction - 99% of property value*.
- Renovation - 40% of property value*.
Optional life Takaful* covering death (due to any cause) and accidental/natural disability.
Property Takaful (covering the financing amount) is FREE for customers.
Co-Finance is allowed. (More than one can be considered.)
Lien Marking on customer’s RDA accounts/Naya Pakistan Certificates (NPCs)/Islamic Naya Pakistan Certificates (INPCs) up to the financing amount limit throughout the tenure. After every two years, HBL will release RDA Deposit / NPCs/ INPCs* from Lien Marking based on principle redemption and the customer’s satisfactory repayment history.
NPCs/INPCs are issued with no roll-over option; however, where NPCs/INPCs are marked for Lien, the customer will provide an undertaking to re-book the NPCs/INPCs, till the settlement/maturity of the finance amount.
Easy Repatriation

*Terms & Conditions apply

ROSHAN APNA GHAR - WITHOUT LIEN
ROSHAN APNA GHAR - WITH LIEN

Only one Roshan Apna Ghar facility allowed.

Salaried Individuals
Applicant must be a Non-Resident RDA account holder. Applicants must have a valid NICOP Applicant must be 20 years of age or more at the time of financing application and 60* years or less/ retirement age, whichever is lower at financing maturity. There will be no minimum income criteria; however, a maximum of 50% DBR will be kept while providing a financing facility. Co-applicant is residing in Pakistan. The overall length of employment must be a minimum of 2 years.

Salaried Individuals

Applicant must be a Non-Resident RDA account holder.
Applicants must have a valid NICOP
Applicant must be 20 years of age or more at the time of financing application and 60* years or less/ retirement age, whichever is lower at financing maturity.
There will be no minimum income criteria; however, a maximum of 50% DBR will be kept while providing a financing facility.
Co-applicant is residing in Pakistan.
The overall length of employment must be a minimum of 2 years.

Non Salaried Individuals
Applicant must be a Non-Resident RDA account holder. Applicants must have a valid NICOP Applicants must be 20 years of age or more at the time of financing application and 65 years or less at financing maturity. There will be no minimum income criteria; however, a maximum of 50% DBR will be kept while providing a financing facility. Co-applicant is residing in Pakistan The overall length of business must be a minimum of 2 years

Non Salaried Individuals

Applicant must be a Non-Resident RDA account holder.
Applicants must have a valid NICOP
Applicants must be 20 years of age or more at the time of financing application and 65 years or less at financing maturity.
There will be no minimum income criteria; however, a maximum of 50% DBR will be kept while providing a financing facility.
Co-applicant is residing in Pakistan
The overall length of business must be a minimum of 2 years

* The age of applicant must not exceed 60 years however, may be extended to 65 years provided applicants warrant that they can pay the installments even after retirement age.

Co-Applicant
Co-Applicant is mandatory. Co-Applicant must be an immediate family member such as a spouse, parents, adult siblings, and adult children. For Residents, a valid CNIC is required Co-applicant’s age may not exceed 65 years at the maturity of financing tenure.

Co-Financee
Co-Finance can be included for income clubbing with Primary Applicants. 100% Income Clubbing – Only for Spouses. 75% Income Clubbing – any family member (as defined above) other than the spouse Co-Finance can only be Non-Residents. Valid NICOP is required. The age criteria are the same as the applicant. Minimum overall employment/business tenure to be two years.

Only one Roshan Apna Ghar facility allowed.

SALARIED INDIVIDUALS
Applicant must be a Non-Resident RDA account holder. Applicants must have a valid NICOP or POC Applicant must be 20 years of age or more at the time of financing application and 60* years or less/ retirement age, whichever is lower at financing maturity. There will be no minimum income criteria Co-applicant is residing in Pakistan

NON-SALARIED INDIVIDUALS
Applicant must be a Non-Resident RDA account holder. Applicants must have a valid NICOP Applicants must be 20 years of age or more at the time of financing application and 65 years or less at financing maturity. There will be no minimum income criteria Co-applicant is residing in Pakistan

* The age of applicant must not exceed 60 years however, may be extended to 65 years provided applicant warrants that they can pay the installments even after retirement age.

Nominee
A Nominee will be required in the absence of a co-applicant in Pakistan. A Nominee must be a friend/lawyer who will be able to facilitate the mortgage transaction. CNIC / SNIC required of the Nominee

Required documents

Simply click on the ‘Apply Now’ button above and fill in the form. Our Relationship Manager will then contact and guide you through the journey toward owning a property in Pakistan.

Documents Checklist for Regular Housing Finance

Main applicant (Non- Resident Pakistani)	Co Applicant (Resident Pakistani)	Co Financee (Non- Resident Pakistani)
Salaried Individual Applicant’s copy of NICOP (Both front & Back side) Copy of Co-Applicant’s CNIC/ NICOP (Both front & Back side) Passport-sized colored photographs of applicant and co-applicant(s) each. Copy of Passport Copy of Visa / Work permit / Residence Permit (Iqama etc.) (Both front & Back side) Bank Statement - last 3 months Last 3-month salary slip. Credit Bureau Report of stay country Employer’s certificate including tenor / designation / remuneration details & employment status (Contractual/permanent) OR Employment Contract (stating all the details as similar to employment certificate) Non Salaried Individual A passport-sized colored photograph of the applicant. Valid Business Proof. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public). Copies of last two years’ tax documents. Credit Bureau Report of stay country. Proof of allotment, transfer, and/or Title Document of the property to be mortgaged.	Copy of CNIC Passport-sized coloured photograph of co-applicant.	Salaried Individual A passport-sized colored photograph of the applicant. Employer’s certificate, including tenor/designation/remuneration details. Employment Contract. Last three-month salary slip/certificate. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public). Copies of last two years’ tax documents. Credit Bureau Report of stay country. Proof of allotment, transfer, and/or Title Document of the property to be mortgaged (only for first co-finance). Non Salaried Individual A passport-sized colored photograph of the applicant. Valid Business Proof. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public) Copies of last two years’ tax documents. Credit Bureau Report of stay country. Proof of allotment, transfer, and/or Title Document of the property to be mortgaged.

Main applicant
(Non- Resident Pakistani)

Co Applicant
(Resident Pakistani)

Co Financee
(Non- Resident Pakistani)

Salaried Individual

Applicant’s copy of NICOP (Both front & Back side)
Copy of Co-Applicant’s CNIC/ NICOP (Both front & Back side)
Passport-sized colored photographs of applicant and co-applicant(s) each.
Copy of Passport
Copy of Visa / Work permit / Residence Permit (Iqama etc.) (Both front & Back side)
Bank Statement - last 3 months
Last 3-month salary slip.
Credit Bureau Report of stay country
Employer’s certificate including tenor / designation / remuneration details & employment status (Contractual/permanent) OR Employment Contract (stating all the details as similar to employment certificate)

Non Salaried Individual

A passport-sized colored photograph of the applicant.
Valid Business Proof.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public).
Copies of last two years’ tax documents.
Credit Bureau Report of stay country.
Proof of allotment, transfer, and/or Title Document of the property to be mortgaged.

Copy of CNIC
Passport-sized coloured photograph of co-applicant.

Salaried Individual

A passport-sized colored photograph of the applicant.
Employer’s certificate, including tenor/designation/remuneration details.
Employment Contract.
Last three-month salary slip/certificate.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public).
Copies of last two years’ tax documents.
Credit Bureau Report of stay country.
Proof of allotment, transfer, and/or Title Document of the property to be mortgaged (only for first co-finance).

Non Salaried Individual

A passport-sized colored photograph of the applicant.
Valid Business Proof.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 12 months (Duly attested by the bank with stamp/notary public)
Copies of last two years’ tax documents.
Credit Bureau Report of stay country.
Proof of allotment, transfer, and/or Title Document of the property to be mortgaged.

Documents for Download

Special Power of Attorney Document

How to Apply

How to apply for Roshan Apna Ghar

ROSHAN APNA GHAR - WITHOUT LIEN
ROSHAN APNA GHAR - WITH LIEN

PROFIT RATE		FEES / CHARGES
Variable Rate	Fixed rate (5- Years) - where applicable	FEES / CHARGES
1-Year KIBOR* + 1.5%	5-Year PKRV** + 1.5%	Processing Fees - PKR 4,000 + FED. Early Termination Price - 1% for the first year, Nil after that. Charity may apply in case of delay in Payment. Property Appraisal - At Actual. Legal Opinion - At Actual.

*KIBOR - Karachi Interbank Offer Rate, announced on the 1st working day of each calendar month immediately preceding the year's end of (transaction).

** PKRV – Pakistan Revaluation Rate, announced on the 1st working day of each calendar month immediately preceding the year's end of (transaction).

Note:

For a fixed rate, after the fixed-rate period, the customer will have an option to choose either to
1) Continue on fixed-rate offer by HBL at the time of repricing OR
2) Opt for variable pricing/rate from the 5th year onwards.

PROFIT RATE		FEES / CHARGES
Variable Rate	Fixed rate (5- Years) - where applicable	FEES / CHARGES
1-Year KIBOR*	5 Year PKRV**	Processing Fees - PKR 4,000 + FED Early Termination Price - 1% for first 1 year, Nil thereafter Charity may apply in case of delay in Payment Property Appraisal - At Actual Legal Opinion - At Actual

*KIBOR - Karachi Interbank Offer Rate, announced on 1st working day of each calendar month immediately preceding the end of (transaction) the year.

** PKRV – Pakistan Revaluation Rate, announced on 1st working day of each calendar month immediately preceding the end of (transaction) the year.

Note:

i. For fixed rate regime, customer will have an option to choose either to
a. Continue on Fixed rate offer by the participating bank at the time of repricing OR
b. To opt for a variable pricing/rates will be applicable after 5th year.
ii. Pricing will be reevaluated after every six months or any change in discount rate announced by SBP.

Elite Estates – Eighteen (Elite Reverie)
Dolmen – Grove Residency

Eighteen is the leading luxury real estate project in Pakistan, offering villas and apartment units. Eighteen is home to the finest commercial and residential spaces with state-of-the-art amenities to deliver the promise of destination living. Eighteen presents an array of luxurious living options suitable for families of all sizes.

Location: Kashmir Highway, Islamabad

Categories of Units Available

Villas
Description	Built-up Area (SQM)	Built-up Area (SQFT)	Bedrooms
10 Marla	255	2,745	4
1 Kanal	465	5,005	5
1 Kanal	415	4,467	4
2 Kanal	670	7,212	5
4 Kanal	920	9,903	6
8 Kanal	1,300	13,993	7
8 Kanal	1,468	15,801	7

Apartments
Description	Built-up Area (SQM)	Built-up Area (SQFT)	Bedrooms
Studio	72	775	1
1 Bed	90	969	1
2 Bed	155	1,668	2
3 Bed	204	2,196	3
3 Bed	205	2,207	3
4 Bed	369	3,973	4
Penthouse	410	4,410	5
Penthouse	425	4,575	5

Visit the project website https://eighteenpk.com/ for more details.

Dolmen Group’s latest development, ‘Grove Residency,’ is a complete residential project designed by award-winning architect Arshad Shahid Abdulla. The project comprises three residential towers, housing spacious all corner apartments complete with modern amenities. The living experience is complemented by a large elevated garden with state-of-the-art landscaping, a walking track, and communal spaces, including a gym, prayer rooms, and children's play areas.

Grove Residency caters to families looking for affordable quality and comfortable living. It provides a unique blend of safe and secure community living that welcomes its residents to feel “at home.”

Location: Plot # 91, adjacent to the main KPT interchange, near DHA Phase 7 Extension, Karachi.

Categories of Units Available

Apartments
Description	Built-up Area (SQFT)	Bedrooms
Tower A	2,250	3
Tower B	2,560	3
Tower C	2,600	3

Visit the project website https://groveresidency.com/ for more details.

HBL Roshan Apna Ghar

Select Financing Option*

Which Tier*

Select Product Scheme*

Select Finance Type*

Select Profit Rate Type*

Select Tenure (Years)*

Select Property Price*

PKR

Minimum Value is 1000000

Select Financing Amount*

PKR

Minimum Value is 500000

Profit Rate

% N/A

Equal Monthly Instalment PKR

% N/A

Tentative Calculation Schedule
Months	Outstanding Units Purchase Amount	Rental Amount	Total Installment	Total Outstanding Units

Q. Which facilities can be applied under Roshan Apna Ghar?

Customer can apply for following facilities in Lien and Non-Lien based offerings:

Home Purchase
Plot + Construction
Home Renovation

Q. Who can apply for Roshan Apna Ghar Finance?

Roshan Apna Ghar can only be applied for HBL Bank’s RDA customers.

Q. How is Roshan Apna Ghar Shariah-compliant?

Roshan Apna Ghar is based on the Shariah-compliant concept of Diminishing Musharakah. Under this Mechanism the Customer undertakes to purchase bank’s share in property over the tenure with bank leases its share of property to customer against periodic rentals. Upon completely purchasing bank’s share, customer ultimately becomes the sole owner of property. In the end bank and customer become joint owners in the property.

Q. What is the minimum financing amount offered under Roshan Apna Ghar?

The minimum financing amount is PKR 500,000/- in lien and non-lien-based product

Q. Under which segments the customer can apply?

RDA customer can apply based on:

Non lien based
Lien based

Q. What are the financing tenure options offered by Roshan Apna Ghar?

Tenure of the facility is between 3 to 25 years in lien and non-lien-based product.

Q. What is the maximum bank investment ratio?

For Lien and Non-lien Based product:

Home Purchase/Plot+ Construction/Construction Finance – Maximum up to 85% of property value
Home Renovation – Maximum up to 30% of property value.

Q. What are the rate options offered by Roshan Apna Ghar?

The customer can apply both on Fixed and variable rate in lien and non-lien-based product

a. Lien based:

Variable Rate: 1-year KIBOR only
Fixed rate (5-Years): 5-year PKRV only

b. Lien based:

Variable Rate: 1-year KIBOR + 1.5%
Fixed rate (5-Years): 5-year PKRV + 1.5%

Q. What is KIBOR?

KIBOR is the Karachi Interbank Offered Rate used as a benchmark for price setting. For the stated scheme, KIBOR shall mean 12-month Karachi Interbank Offer Rate announced on 1st working day of each calendar month. For repricing, KIBOR shall mean 12-month Karachi Interbank Offer Rate announced on 1st working day of each calendar month immediately preceding the end of repricing date.

Current

Saving

Term Deposit Accounts

HBL Nisa

Credit Cards

Debit Cards

Konnect Account

Konnect Islamic

Corporate

Agent

G2P

Products

FastTransfer

Value Added Services

Investment Services

Bancassurance

eBanc Roshan Digital Account

HBL Roshan Apna Ghar

Roshan Apna Ghar is a Shari’ah Compliant Housing Finance

Overview

Required documents

Documents Checklist for Regular Housing Finance

Documents for Download

How to Apply

How to apply for Roshan Apna Ghar

Categories of Units Available

Categories of Units Available

HBL Roshan Apna Ghar

Select Financing Option*

Which Tier*

Select Product Scheme*

Select Finance Type*

Select Profit Rate Type*

Select Tenure (Years)*

Select Property Price*

Select Financing Amount*

Profit Rate

Equal Monthly Instalment PKR

Q. Which facilities can be applied under Roshan Apna Ghar?

Q. Who can apply for Roshan Apna Ghar Finance?

Q. How is Roshan Apna Ghar Shariah-compliant?

Q. What is the minimum financing amount offered under Roshan Apna Ghar?

Q. Under which segments the customer can apply?

Q. What are the financing tenure options offered by Roshan Apna Ghar?

Q. What is the maximum bank investment ratio?

Q. What are the rate options offered by Roshan Apna Ghar?

Q. What is KIBOR?

Q. What is the difference between Fixed and Variable rate?

Q. What are the other charges applicable?

Q. Can I terminate the facility before the maturity date?