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Overview – Allied Roshan Apna Ghar

Allied Bank’s Roshan Apna Ghar is a digital home financing facility designed for Non-Resident Pakistanis (NPRs) who maintain  Roshan Digital Account (RDA) with ABL. This solution enables overseas Pakistanis to avail housing finance in Pakistan on flexible and affordable terms. The facility ensures convenience, security and seamless digital application process.

Category Non-Lien Based Lien Based Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna
Purpose of Financing
  • Purchase
  • Construction of house on already owned plot
  • Purchase of plot and construction of house
  • Renovation
  • Purchase
  •  Construction of house on already owned plot
  •  Purchase of plot and construction of house
  •  Renovation
  • Purchase of house / flat
  • Construction of house on already owned plot
  • Purchase of plot and construction of house
Financing Amount
  • Minimum: PKR 500,000/-
  •  Maximum: PKR 60 Million
  • Maximum: PKR 10 Million for renovation
  • Minimum: PKR 500,000/-
  • Maximum: No upper limit
  • Maximum: PKR 10 Million
Pricing
  • Variable Rate: 1-Year KIBOR + 1.5%
  • Variable Rate: 1-Year KIBOR + 0.5%
  • Flat 5% for 10 Years
  •  1 Year KIBOR + 3% after 10 Years
Financing Tenure
  • 3 to 25 Years
  • 3 to 25 Years
  • 20 Years
Lien Marking
  • Not Applicable
  • Lien of 100% on PKR RDA / NPC
  • 110% on Foreign Currency RDA / NPC
  • Optional
  •  Lien of 100% on PKR RDA / NPC
  • 110% on Foreign Currency RDA / NPC
Co-applicant
  • Mandatory
  • Must be immediate family (spouse, parents, adult siblings & children)
  • At least one must reside permanently in Pakistan
  • Up to four co-applicants allowed
  • Mandatory
  • Must be immediate family (spouse, parents, adult siblings & children)
  • At least one must reside permanently in Pakistan
  •  Up to four co-applicants allowed
  •  Mandatory
  •  Must be immediate family (spouse, parents, adult son, adult daughter)
  • At least one must reside permanently in Pakistan
  • Up to four co-applicants allowed
Co-applicant for Income Clubbing
  • 100% income clubbed if spouse, subject to DBR cushion.
  • 75% if other than spouse, subject to DBR cushion.
  •  Only Non-Resident Pakistanis can be considered for income clubbing.
  • 100% income clubbed
  • 100% income clubbed if spouse, subject to DBR cushion.
  • 75% if other than spouse, subject to DBR cushion.
  • Only Non-Resident Pakistanis can be considered for income clubbing.
Debt to Equity Ratio
  •  Up to 85% for purchase/construction
  • Up to 30% for renovation
  •  Up to 99% for purchase/construction
  • Up to 40% for renovation
 For Purchase and Construction

  •  Non-Lien Based: Up to 90%
  • Lien Based: Up to 99%

 
Property Ownership
  • Singly owned (in name of NRP RDA holder)
  • Joint ownership with spouse or adult children allowed (subject to authority’s approval)
  • If NRP is not in Pakistan, GPA can be used by co-applicant.
  • Singly owned (in name of NRP RDA holder)
  •  Joint ownership with spouse or adult children allowed (subject to authority’s approval)
  •  If NRP is not in Pakistan, GPA can be used by co-applicant.
  • Singly owned (in name of NRP RDA holder)
  • Joint ownership with spouse or adult children allowed (subject to authority’s approval)
  • If NRP is not in Pakistan, GPA can be used by co-applicant.
Installment Repayment Frequency
  • Monthly, via Direct Debit from RDA
  • If RDA is in FCY, a PKR NRP Rupee Value Account must be opened
  •  Monthly, via Direct Debit from RDA
  • If RDA is in FCY, a PKR NRP Rupee Value Account must be opened
  • Monthly, via Direct Debit from RDA
  • If RDA is in FCY, a PKR NRP Rupee Value Account must be opened

 

Category Non-Lien Based Lien Based Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna
Home Ownership
  • Not applicable
  • Not applicable
  • First time home owner
  • Not owning any housing unit in their name
Citizenship
  • All Non-Resident Pakistanis with valid NICOP
  • All Non-Resident Pakistanis with valid NICOP
  • All Non-Resident Pakistanis with valid NICOP / POC
Age
  • Salaried Individuals: 20–60 years (extendable to 65 if repayment after retirement justified)
  • Non-Salaried Individuals: 20–65 years
  •  Co-applicant’s age must not exceed 65 if income is not clubbed
  • Minimum: 20 Years
  • No upper age limit
  • Minimum 21 years old
  • Maximum 60 years old
  • In case of salaried individual, applicant should not be more than 60 years old at the time of maturity of facility.
  • In case of self-employed individual, applicant should not be more than 65 years old at the time of maturity of facility;
  •  Applicable on both borrower & co-borrower.
Net Monthly Income
  • Minimum PKR 50,000 for applicant
  • No minimum for co-applicant (if income is clubbed)
  • Not Applicable
  • Minimum equivalent to PKR.37,000/- per month net disposable income
Occupation
  • Salaried or Non-Salaried
  • Salaried or Non-Salaried
  • Salaried or Non-Salaried
Employment Status (Salaried)
  • Permanent or Contractual
  • Not Applicable
  • Not Applicable
Employment / Business Tenure
  • Minimum 2 years
  • Not Applicable
  • Not Applicable

Common Documents

  • Duly filled application form

  • Applicant’s NICOP

  • Co-applicant’s CNIC/NICOP

  • Two passport-sized color photographs of applicant and co-applicants

  • Copy of Passport of applicant and co-borrower (if applicable)

  • Visa / Work Permit / Residence Permit (Iqama etc.)

  • Professional Association Membership Certificate / Practice License (if applicable)

  • Last 12 months’ bank statement (original or attested by bank with stamp)

  • Details of existing financing facilities (in Pakistan or abroad)

  • Copies of educational qualification degrees/certificates (if applicable)

  • Rental documents, credit card bills, tax documents (if applicable)

  • Credit Bureau Report from country of residence

Additional Documents for Salaried Individuals

  • Employer’s certificate (tenure, designation, and remuneration)

  • Employment contract (if applicable)

  • Last 3 months’ salary slips

Additional Documents for Non-Salaried Individuals

  • Valid business proof documents

  • Power of Attorney should not be verified/attested by embassy/notary public

  • Note: All other documents should also not be verified/attested by embassy/notary public

Legal Agreement / Document Signing

  • If main applicant (NRP) is in Pakistan, documents must be signed in presence of a Bank Officer.

  • If abroad, documents must be signed in the applicant’s country of stay.

  • All charges are to be borne by the customer.

Legal Evaluation

  • Copies of property documents will be vetted by an approved legal advisor/law firm.

  • Original documents must be “verified as originally seen” at the lawyer’s office before disbursement.

Documentation Charges

  • Charged at actual rates as per legal fee schedule.

You can use the Roshan Apna Ghar Installment Calculator to estimate your monthly repayments.

Q. What is Roshan Apna Ghar?

Roshan Apna Ghar is a digital home finance facility offering affordable monthly installments for NRPs maintaining a Roshan Digital Account (RDA) with Allied Bank.

Q. What are the basic eligibility criteria to avail Roshan Apna Ghar facility?

NRPs worldwide holding a valid NICOP and a Roshan Digital Account with ABL are eligible to apply.

Q. How many variants of Roshan Apna Ghar financing are available?

Two types of financing are offered:

a. Non-Lien Based
b. Lien Based

Q. Is this facility only available for house/apartment purchase?

No. It covers purchase, construction, land plus construction, and renovation of existing properties.

Q. Is financing available for plot-only purchase?

No. Plot-only financing is not available. Only plot purchase with construction is allowed.

Q. What is the financing tenor of this facility?

The tenor ranges from a minimum of 3 years to a maximum of 25 years.

Q. Do I need to pay any taxes?

Yes, all applicable government taxes are payable by the customer.

Q. How are monthly installments repaid?

Repayments are deducted in PKR via Direct Debit from the RDA. If your RDA is in foreign currency, you must open a PKR account (NRP Rupee Value Account).

Q. How much financing can I avail?

Up to PKR 60 Million under Non-Lien Based.

For Lien-Based, there is no upper cap—subject to 100% lien on PKR RDA/NPC or 110% lien on Foreign Currency RDA/NPC.

Q. Can I avail multiple housing finance facilities under this scheme?

Only one facility is allowed at a time.

Q. How is the property value assessed?

By ABL’s approved valuators:

  • One valuation for amounts up to PKR 10 Million

  • Two valuations if above PKR 10 Million (lower value considered)

Q. Are there any application charges?

Yes. A one-time Processing Fee (as per prevailing Schedule of Charges) is applicable upon approval. Non-refundable Property Valuation and Legal Opinion Charges are also payable.