For millions of Pakistanis living abroad, the dream of owning a home back in Pakistan is deeply personal. It’s about more than bricks and mortar, it’s about roots, family, and the future. Navigating this journey, however, can feel overwhelming, especially when dealing with real estate and financing from thousands of miles away. Enter Bank AL Habib’s Roshan Apna Ghar, a powerful initiative designed to simplify home financing for Non-Resident Pakistanis (NRPs) through the Roshan Digital Account (RDA).
What Is Roshan Apna Ghar?
Roshan Apna Ghar is a dedicated solution by Bank AL Habib for NRPs who hold a Roshan Digital Account to digitally and remotely buy a property, build or renovate a house in Pakistan through their own investment or bank financing conveniently, securely, and through a entirely digital process. This isn’t just a financial product; it’s an enabler. It bridges the gap between you and your dream home in Pakistan by offering a streamlined, transparent and efficient loan process.
Why Consider Roshan Apna Ghar?
There are several compelling reasons why Roshan Apna Ghar is becoming the go-to solution for many NRPs. First and foremost, convenience is unparalleled. From application to approval, everything can be done from the comfort of your home, wherever you are in the world. No more frantic trips back to Pakistan just to fill out paperwork.
The interest rates are competitive, ensuring that you get the best possible deal with a flexible repayment plan tailored to suit your financial situation and income flow. Secondly, the entire process is transparent and secure, giving you peace of mind knowing that your investment is protected.
The integration with your Roshan Digital Account also means easier fund transfers and management. In short, it’s a smart, secure, and practical way to invest in property back home.
Who Can Apply?
To apply for Roshan Apna Ghar, you must:
- Be a Non-Resident Pakistani (NRP) with a valid Roshan Digital Account at Bank AL Habib
- Provide proof of income (salary slips, bank statements, etc.)
- Undergo a standard credit evaluation
Exact documentation may vary depending on the property and loan size. Bank AL Habib representatives are available to guide you through the details.
Step-by-Step: How It Works
- Open a Roshan Digital Account with Bank AL Habib if you haven’t already.
- Complete the Roshan Apna Ghar application form online.
- Submit required documents like income proof, identification, and property details.
- Await evaluation and approval as the bank will assess your application and share loan terms.
- Once accepted, the funds are transferred directly to the seller.
This efficient model ensures transparency and minimizes delays, helping you move from dream to deed with confidence.
What Types of Properties Are Covered?
Roshan Apna Ghar supports a wide variety of property purchases:
- New or existing homes
- Apartments
- Residential plots for construction
If the property is located in Pakistan and meets the bank’s eligibility criteria, it can be financed or directly purchased under this scheme.
Why This Matters
For many NRPs, investing in a home in Pakistan symbolizes stability, emotional connection, and long-term security. Yet, the barriers have historically been high. Bank AL Habib’s Roshan Apna Ghar helps lower those barriers, offering a service that is both user-friendly and highly relevant in today’s fast-paced, global environment.
Going Beyond: Other Benefits of the Roshan Digital Account
While Roshan Apna Ghar is a standout feature, your Roshan Digital Account brings more to the table:
- Invest in Pakistani Stocks, Bonds, Mutual Funds and Naya Pakistan Certificates
- Pay bills and manage expenses in Pakistan
- Transfer funds securely and efficiently
It’s a complete financial toolkit tailored to empower overseas Pakistanis.
Ready to Get Started?
If you’re ready to turn your dream of owning a home in Pakistan into reality, now is the time. Visit Bank AL Habib to begin your Roshan Apna Ghar journey.
With the right tools, support and vision, home isn’t as far away as it seems.
