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Product for Non-Resident Pakistanis
Apply NowRoshan 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.
*Financing requests over & above these limits will be subject to Bank’s discretion.
*Terms & Conditions apply
*Financing requests over & above these limits will be subject to Bank’s discretion.
*Terms & Conditions apply
Only one Roshan Apna Ghar facility allowed.
Salaried Individuals |
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Non Salaried Individuals |
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* 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 |
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Co-Financee |
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Only one Roshan Apna Ghar facility allowed.
SALARIED INDIVIDUALS |
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NON-SALARIED INDIVIDUALS |
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* 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 |
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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.
Main applicant (Non- Resident Pakistani) |
Co Applicant (Resident Pakistani) |
Co Financee (Non- Resident Pakistani) |
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Salaried Individual
Non Salaried Individual
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Salaried Individual
Non Salaried Individual
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Main Applicant (Non- Resident Pakistani) |
Co Applicant (Resident Pakistani) |
Co Financee (Non- Resident Pakistani) |
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Salaried Individual
Non Salaried Individual
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Salaried Individual
Non Salaried Individual
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PROFIT RATE | FEES / CHARGES | |
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Variable Rate | Fixed rate (5- Years) - where applicable | |
1-Year KIBOR* + 1.5% |
5-Year PKRV** + 1.5% |
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*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 | |
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Variable Rate | Fixed rate (5- Years) - where applicable | |
1-Year KIBOR* |
5 Year PKRV** |
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*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.
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
Villas | |||
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Description | Built-up Area (SQM) | Built-up Area (SQFT) | Bedrooms |
10 Marla |
255 |
2,745 |
4 |
1 Kanal |
465 |
5,005 |
5 |
415 |
4,467 |
4 |
|
2 Kanal |
670 |
7,212 |
5 |
4 Kanal |
920 |
9,903 |
6 |
8 Kanal |
1,300 |
13,993 |
7 |
1,468 |
15,801 |
7 |
Apartments | |||
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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 |
205 |
2,207 |
3 |
|
4 Bed |
369 |
3,973 |
4 |
Penthouse |
410 |
4,410 |
5 |
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.
Apartments | ||
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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.
Tentative Calculation Schedule | ||||
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Months | Outstanding Units Purchase Amount | Rental Amount | Total Installment | Total Outstanding Units |