HBL | Hbl Roshan Apna Ghar

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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 the collection of deposits through RDA account.

We offer House Finance facility 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 either willing to keep their investment as lien against their net financing amount as collateral or avail financing without cash collateral. Further, this will also be available to all the customer of Government Mark-up subsidy scheme for housing finance

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

Purchase of completed residential property, construction of house 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 instalment
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) absolutely FREE for customers
Co-Financee is allowed. (More than one can be considered.)

Purchase of completed residential property, construction of house 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 instalment
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) absolutely FREE for customers
Co-Financee 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 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.

*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. Applicant 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 the time of financing maturity. There will be no minimum income criteria however, maximum 50% DBR will be kept while providing financing facility. Co-applicant residing in Pakistan Overall length of employment must be minimum 2 years

Salaried Individuals

Applicant must be a Non-Resident RDA account holder.
Applicant 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 the time of financing maturity.
There will be no minimum income criteria however, maximum 50% DBR will be kept while providing financing facility.
Co-applicant residing in Pakistan
Overall length of employment must be minimum 2 years

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

Non Salaried Individuals

Applicant must be a Non-Resident RDA account holder.
Applicant must have a valid NICOP
Applicant must be 20 years of age or more at the time of financing application and 65 years or less at the time of financing maturity.
There will be no minimum income criteria however, maximum 50% DBR will be kept while providing financing facility.
Co-applicant residing in Pakistan
Overall length of business must be minimum 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 spouse, parents, adult siblings and adult children. For Residents, valid CNIC is required Co-applicant’s age may not exceed 65 years at the time of maturity of financing tenure.

Co-Financee
Co-Finance can be included for income clubbing with Primary Applicant. 100% Income Clubbing – Only for Spouse. 75% Income Clubbing – any family member (as defined above) other than spouse Co-Financee can only be Non-Residents. Valid NICOP is required. The age criteria same as 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. Applicant 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 the time of financing maturity. There will be no minimum income criteria Co-applicant residing in Pakistan

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

How to Apply

Simply click on ‘Apply Now’ button above and fill in the form. Our Relationship Manager will then contact and guide you through the journey towards 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 Passport-sized coloured photograph of 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 2 years tax documents Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged Non Salaried Individual Passport-sized coloured photograph of 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 2 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 Passport-sized coloured photograph of 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 2 years tax documents Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged (only to be for first co-financee) Non Salaried Individual Passport-sized coloured photograph of 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 2 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

Passport-sized coloured photograph of 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 2 years tax documents
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged

Non Salaried Individual

Passport-sized coloured photograph of 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 2 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

Passport-sized coloured photograph of 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 2 years tax documents
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged (only to be for first co-financee)

Non Salaried Individual

Passport-sized coloured photograph of 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 2 years tax documents
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged

Documents Checklist for Govt. Subsidy Scheme for House Finance

Main Applicant (Non- Resident Pakistani)	Co Applicant (Resident Pakistani)	Co Financee (Non- Resident Pakistani)
Salaried Individual Passport-sized coloured photograph of applicant. Employer’s certificate including tenor/designation/remuneration details. Employment Contract Current month salary slip/certificate. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 6 months (Duly attested by the bank with stamp / notary public) Account maintenance certificate(Duly attested by the bank with stamp) Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged Undertaking for first time home owner Non Salaried Individual Passport-sized coloured photograph of applicant. Valid Business Proof/Partnership Deed/sole Proprietor. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 12 months (Duly attested by the bank with stamp / notary public) Bank Certificate for Sole Proprietor/Partnership(Duly attested by the bank with stamp) Copies of last 2 years tax documents Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged Undertaking for first time home owner	Copy of CNIC Passport-sized coloured photograph of co-applicant.	Salaried Individual Passport-sized coloured photograph of applicant. Employer’s certificate including tenor/designation/remuneration details. Employment Contract Current month salary slip/certificate. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 6 months (Duly attested by the bank with stamp / notary public) Account maintenance certificate(Duly attested by the bank with stamp) Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged Undertaking for first time home owner Non Salaried Individual Passport-sized coloured photograph of applicant. Valid Business Proof/Partnership Deed/sole Proprietor. Copy of Visa / Work permit / Residence Permit (Iqaama etc.) Bank Statement - last 12 months (Duly attested by the bank with stamp / notary public) Bank Certificate for Sole Proprietor/Partnership(Duly attested by the bank with stamp) Copies of last 2 years tax documents Credit Bureau Report of stay country Proof of allotment, transfer and/or Title Document of the property to be mortgaged Undertaking for first time home owner

Main Applicant
(Non- Resident Pakistani)

Co Applicant
(Resident Pakistani)

Co Financee
(Non- Resident Pakistani)

Salaried Individual

Passport-sized coloured photograph of applicant.
Employer’s certificate including tenor/designation/remuneration details.
Employment Contract
Current month salary slip/certificate.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 6 months (Duly attested by the bank with stamp / notary public)
Account maintenance certificate(Duly attested by the bank with stamp)
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged
Undertaking for first time home owner

Non Salaried Individual

Passport-sized coloured photograph of applicant.
Valid Business Proof/Partnership Deed/sole Proprietor.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 12 months (Duly attested by the bank with stamp / notary public)
Bank Certificate for Sole Proprietor/Partnership(Duly attested by the bank with stamp)
Copies of last 2 years tax documents
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged
Undertaking for first time home owner

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

Salaried Individual

Passport-sized coloured photograph of applicant.
Employer’s certificate including tenor/designation/remuneration details.
Employment Contract
Current month salary slip/certificate.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 6 months (Duly attested by the bank with stamp / notary public)
Account maintenance certificate(Duly attested by the bank with stamp)
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged
Undertaking for first time home owner

Non Salaried Individual

Passport-sized coloured photograph of applicant.
Valid Business Proof/Partnership Deed/sole Proprietor.
Copy of Visa / Work permit / Residence Permit (Iqaama etc.)
Bank Statement - last 12 months (Duly attested by the bank with stamp / notary public)
Bank Certificate for Sole Proprietor/Partnership(Duly attested by the bank with stamp)
Copies of last 2 years tax documents
Credit Bureau Report of stay country
Proof of allotment, transfer and/or Title Document of the property to be mortgaged
Undertaking for first time home owner

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 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:

For 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 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 of Pakistan offering both 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 architects, Arshad Shahid Abdulla. The project comprises of 3 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, walking track and communal spaces including a gym, prayer rooms and children 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 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

Current

Saving

Term Deposit Accounts

Value Added Services

Credit Cards

Debit Cards

Konnect Account

Corporate

Agent

G2P

Products

HBL Fast Transfer

eBanc Roshan Digital Account

VAS

Investment Services

Bancassurance

HBL Roshan Apna Ghar

Roshan Apna Ghar is a Shari’ah Compliant Housing Finance

Overview

How to Apply

Documents Checklist for Regular Housing Finance

Documents Checklist for Govt. Subsidy Scheme for House Finance

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