Roshan Apna Ghar Features

building home

Buy a new home at competitive pricing.

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Avail financing against your home for renovation or extension purposes.

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Both hybrid and floating pricing options.

time flexible tenure

Up to 25 years financing tenor.

Home Finance

Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Homer Finance is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final rental rate in accordance with applicable laws and amount that can be financed.

House ValuePlease enter an amount between BWP 100,000 and BWP 5,000,000

      Please enter a duration between 1 year and 25 years only.

      Bank Share

      Financing Years


      Please enter a duration between 3 years and 6 years only.

      Finance Amount Takaful Payment Monthly Payment
      1,400,000 50 13,975
      Approximate monthly Repayment 14,025
      rental rate 11.04%

      Application Eligibility

      • Nationality: Non-Resident Pakistanis residing in UAE, Bahrain, Singapore & Malaysia.
      • Maximum Age: 60 Years (Salaried) & 65 Years (Self-Employed)

      Documents Required

      • Copy of Valid CNIC
      • Salary Slip/ Bank Statement
      • Employment Letter
      • Valid Passport
      • Proof of NRP status (Visa Entry / Exit stamp page

      Ans: Roshan Apna Ghar is a Shariah Compliant home financing facility under Islamic Diminishing Musharaka structure for non- resident Pakistanis maintaining Roshan Digital Account with SCBPL.

      The following options are available:

      • Home Purchase – Buy a Home or Apartment
      • Home Credit – Renovating a Home

      Ans: This facility is available under two financing options as follows:

      • Lien based financing: Lien to be marked on RDA account balance /Naya Pakistan investment certificates against their net financing amount as collateral (Lien-based Financing)
      • Non Lien based Financing: Financing without lien marking on collateral (Non-Lien based Financing

      In case of non-lien based, mortgage creation is required and property being financed will be mortgaged with the bank. Whereas in case of lien based financing, mortgage of property is not required. The customer shall provide a copy of title deed in his/her name for bank’s record.

      Primary applicant can have up to four co-applicants. Co-applicant must be an immediate family member like spouse, parents, adult siblings & children. At least one co-applicant should be permanently living in Pakistan.

      Yes, co-applicant can become a co-borrower by clubbing income with primary applicant. However, only a resident Pakistani is allowed to become a co-borrower.

      In case primary applicant (NRP) is available, legal agreement and other documents will be signed by applicant in the presence of bank officer. Whereas, in case where main applicant (NRP) is not available, legal agreement and other documents will be signed by applicant and will be attested by Pakistan embassy of the country of stay. Any/all charges for the same will be borne by the customer.

      In case if RDA accountholder doesn’t remain to be an NRP, they can serve their facility via local channels, however the proceeds will not be eligible for repatriation over and above the payment made form RDA outside the country even if his residential status becomes NRP again.

      Customer has an option to either be physically present in Pakistan or nominate an individual or entity to complete property transaction on their behalf. In case of a nominee, customer has to authorize the nominee to complete transaction through a SPA (Special Power of Attorney).

      Roshan Apna Ghar has both options available.

      You can avail home financing in selected areas within Karachi, Lahore and Islamabad/Rawalpindi cities.

      Once submitted, customer can direct queries to our helpline 111-002-002 or email at

      The underlying Islamic mode of this housing program is Diminishing Musharaka. Diminishing Musharakah (Shirkat ul Milk) is a form of co-ownership in which Bank and customer will share in the joint ownership of a tangible asset (e.g. house) in an agreed proportion. It is agreed that one of the co-owners (customer) will purchase, in periodic instalments, the share of the other co-owner (Bank) until the ownership of that tangible asset is completely transferred to the purchasing co-owner (customer). Furthermore, along with the purchase of share, the co-owner (customer) will also make agreed periodic payments (rent) for the usage of other co-owner’s share (Bank) in the asset, till ownership of the asset is completely transferred to the customer.

      Roshan Apna Ghar A Shariah Compliant Home Financing Solution for RDA clients.
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