Unlock the door to homeownership with Bank AL Habib’s Roshan Apna Ghar, a program tailored for overseas Pakistanis seeking to invest in their homeland.
For millions of Pakistanis living abroad, the dream of owning a home back in Pakistan is deeply personal. It’s not just about bricks and mortar it’s about roots, family, and the future. Yet, navigating property purchases or home financing from thousands of miles away can feel daunting.
That’s where Bank AL Habib’s Roshan Apna Ghar steps in a dedicated 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 fully digital solution that allows NRPs with an RDA to:
- Buy a property in Pakistan
- Build or renovate a home
- Finance through their own investment or secure bank financing
All processes from application to approval are handled remotely and securely online. This is more than just a financial product; it’s a bridge between overseas Pakistanis and their dream homes back home.
Why Choose Roshan Apna Ghar?
- Convenience: Apply, upload documents, and receive approvals from anywhere in the world.
- Competitive Rates: Attractive interest rates with flexible repayment plans tailored to your income.
- Transparency & Security: A streamlined, fraud-protected process ensures peace of mind.
- Seamless Integration: Directly linked to your Roshan Digital Account for smooth fund transfers and management.
In short: it’s a smart, secure, and stress-free way to invest in property in Pakistan.
Who Can Apply?
To qualify 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 requirements may vary based on property type and loan size.
How It Works: Step-by-Step
- Open a Roshan Digital Account (if you don’t already have one).
- Apply online for Roshan Apna Ghar.
- Submit documents (income proof, ID, property details).
- Wait for evaluation and loan terms.
- Approval & Disbursement: Funds are transferred directly to the property seller.
This model ensures speed, transparency, and minimal hassle.
What Types of Properties Are Eligible?
- Newly built or existing homes
- Apartments
- Residential plots (for future construction)
As long as the property is in Pakistan and meets Bank AL Habib’s criteria, it can be financed.
Why It Matters
For NRPs, owning a home in Pakistan means more than financial security — it represents belonging, stability, and connection. Roshan Apna Ghar lowers the traditional barriers, making homeownership simpler, faster, and safer than ever before.
Beyond Home Financing: The Roshan Digital Account Advantage
Your RDA doesn’t just unlock Roshan Apna Ghar. It also allows you to:
- Invest in Stocks, Bonds, Mutual Funds, and Naya Pakistan Certificates
- Pay bills and manage expenses in Pakistan
- Transfer funds securely across borders
It’s a complete financial toolkit designed for overseas Pakistanis.
Ready to Begin?
If you’re ready to turn your dream of owning a home in Pakistan into reality, Bank AL Habib’s Roshan Apna Ghar is here to help.
With the right tools, support, and vision, home isn’t as far away as it seems.
