{"id":2572,"date":"2022-07-05T09:35:59","date_gmt":"2022-07-05T09:35:59","guid":{"rendered":"https:\/\/www.habibmetro.com\/sirat\/?page_id=2572"},"modified":"2025-09-23T11:25:06","modified_gmt":"2025-09-23T11:25:06","slug":"roshan-apna-ghar","status":"publish","type":"page","link":"https:\/\/www.habibmetro.com\/sirat\/roshan-digital-accounts\/roshan-apna-ghar\/","title":{"rendered":"Roshan Apna Ghar"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text el_class=&#8221;list_new_bar&#8221;]HABIBMETRO Roshan Digital Account (RDA) holders can now buy, build or renovate a home for their loved ones residing in Pakistan, through the Roshan Apna Ghar facility.<\/p>\n<p>Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card are eligible for opening Roshan Digital Account and applying for Roshan Apna Ghar.<\/p>\n<p>Roshan Apna Ghar also covers investment in property without taking a financing from the bank in which case the bank will arrange valuation of property to be used for repatriation purpose. Furthermore, all payments including the Token \/ Advance amount is to be paid through the RDA account. Customer to also provide a copy of executed title deed for Bank\u2019s record.<\/p>\n<p>In case of disinvestment before three (3) years, the funds can be repatriated up to the lower amount of sale proceeds or principal investment amount in PKR on the date of investment. The differential amount, if any, and any profit earned from eligible investments made out of this amount may be repatriated after the expiry of three (3) years from the date of investment.[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1758626389478{background-color: #f3f9f5 !important;}&#8221;]<\/p>\n<h4><strong>Roshan Apna Ghar Offers:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>Automated journey for swift processing of the financing<\/li>\n<li>Maximum financing is available against property value<\/li>\n<li>Exclusive price offering<\/li>\n<li>Flexibility to make partial pre-payments with zero charges after the first year<\/li>\n<li>For the first year, 1% will be charged upon early termination; after which <strong><u>no<\/u><\/strong> charges will be levied<\/li>\n<li>Processing fee of PKR 4,000\/- (exclusive of FED)<\/li>\n<li>Monthly installment to be paid through direct debit instructions from Roshan Digital Account<\/li>\n<li>No minimum income requirement<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h4><strong>Pricing for HABIBMETRO Home Financing:<\/strong><\/h4>\n<table class=\"table\">\n<tbody>\n<tr>\n<td width=\"244\"><strong>Rate<\/strong><\/td>\n<td width=\"196\"><strong>Lien Product<\/strong><\/td>\n<td width=\"183\"><strong>Non-Lien Product<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"244\">Variable<\/td>\n<td width=\"196\">1 Year KIBOR<\/td>\n<td width=\"183\">1 Year KIBOR + 1.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"244\">Fixed<\/td>\n<td width=\"196\">5 Year PKRV<\/td>\n<td width=\"183\">5 Year PKRV + 1.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h4><strong>Pricing for Government mark-up subsidy scheme (GMSS):<\/strong><\/h4>\n<table class=\"table\">\n<tbody>\n<tr>\n<td width=\"172\"><strong>Tenure<\/strong><\/td>\n<td width=\"137\"><strong>Tier 1<\/strong><\/td>\n<td width=\"129\"><strong>Tier 2<\/strong><\/td>\n<td width=\"129\"><strong>Tier 3<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"172\">First 5 years<\/td>\n<td width=\"137\">3%<\/td>\n<td width=\"129\">5%<\/td>\n<td width=\"129\">7%<\/td>\n<\/tr>\n<tr>\n<td width=\"172\">Next 5 years<\/td>\n<td width=\"137\">5%<\/td>\n<td width=\"129\">7%<\/td>\n<td width=\"129\">9%<\/td>\n<\/tr>\n<tr>\n<td width=\"172\">Period exceeding 10 years<\/td>\n<td width=\"137\">1 year KIBOR + 2.5%<\/td>\n<td width=\"129\">1 year KIBOR + 4%<\/td>\n<td width=\"129\">1 year KIBOR + 4%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1758626481239{background-color: #f3f9f5 !important;}&#8221;]<\/p>\n<h4><strong>Salient Features:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>HABIBMETRO Roshan Digital Account Holders are allowed to avail home financing under this scheme for their loved ones residing in Pakistan<\/li>\n<li>Immediate family members are allowed to be the co-applicant in this financing (if applicable) \u2013 In absence of a co-applicant, a Nominee would be required who may be a lawyer, a relative, or a friend to facilitate the transaction in Pakistan)<\/li>\n<li>In the case of Nominee, special power of attorney would be required duly attested by the relevant Pakistani Embassy (For Sample Format <a href=\"https:\/\/www.habibmetro.com\/wp-content\/uploads\/2021\/08\/Special-Power-of-Attorney-specimen.doc\">Click Here<\/a>)<\/li>\n<li>Up to 4 co-borrowers can be added for the purpose of income clubbing who should be Non- Resident Pakistani (NRP) and immediate family members (children, siblings, parents and spouse)<\/li>\n<li>Optional life takaful covering death (due to any cause) and accidental\/natural disability<\/li>\n<li>Free property takaful (covering the financing amount)<\/li>\n<li>Government mark-up subsidy scheme (GMSS) for housing financing will be applicable per already defined criteria under respective tiers<\/li>\n<li>The maximum age of the salaried applicant must not exceed 60 years, however, it may be extended to 65 years provided the applicant justifies that he\/ she can repay the financing even after retirement age<\/li>\n<li>The maximum age of a non-salaried applicant must not exceed 65 years<\/li>\n<li>Minimum overall employment\/business tenure of two (2) years<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221;]<\/p>\n<h4><strong>HABIBMETRO Home Financing:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>Financing limits from PKR 500,000\/- to PKR 10,000,000\/- for renovation with no maximum limit to Buy \/ Build<\/li>\n<li>Debt to Equity Ratio under Buy \/ Build: Maximum financing (debt) of up to 85% of property value<\/li>\n<li>Debt to Equity Ratio under Renovation: Financing of up to 40% of property value<\/li>\n<li>Financing tenure of minimum 3 years and a maximum of 25 years<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1758626514923{background-color: #f3f9f5 !important;}&#8221;]<\/p>\n<h4><strong>Government Mark-Up Subsidy Scheme (GMSS) &#8211; Mera Pakistan, Mera Ghar:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>Financing range of up to a maximum of PKR 10,000,000\/-.<\/li>\n<li>Financing to Value (LTV) of up to a maximum of 90% (under T1 &amp; T2) and up to a maximum of 85% (under T3)<\/li>\n<li>Maximum size of the unit of up to 250 sq. yds. (10 Marla) for a house and maximum covered area of 2,000 sq. ft. for flat \/ apartment<\/li>\n<li>Financing tenure of minimum 5 years and a maximum of 20 years<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221;]<\/p>\n<h4><strong>Lien Based Financing:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>Debt to Equity Ratio under Buy \/ Build: Maximum financing (debt) of up to 99% of property value<\/li>\n<li>Debt to Equity Ratio under Renovation: Financing of up to 40% of property value<\/li>\n<li>Lien to be marked on 100% equivalent to net financing amount will be marked on applicant\u2019s IPC\/NPC\/RDA Deposit and 120% in case of foreign currency account<\/li>\n<li>Financing tenure of minimum 3 years and a maximum of 25 years (5 to 20 years in case of GMSS)<\/li>\n<li>A copy of executed title deed would be required (property mortgage not needed)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1758626539996{background-color: #f3f9f5 !important;}&#8221;]<\/p>\n<h4><strong>Financing Calculator:<\/strong><\/h4>\n<p>Please click on the link below to download and calculate your tentative installment<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.habibmetro.com\/wp-content\/uploads\/2021\/07\/GMSS.xlsx\"><strong><u><b>Download\u00a0for\u00a0<\/b><\/u><\/strong><strong><u><b>GMSS<\/b><\/u><\/strong><\/a> |\u00a0\u00a0<a href=\"https:\/\/www.habibmetro.com\/wp-content\/uploads\/2021\/07\/Home_Finance.xlsx\"><strong><u><b>Download for HABIBMETRO Home Finance<\/b><\/u><\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Documentation Requirement:<\/strong><\/h4>\n<ul class=\"custul\">\n<li>Copy of co-applicants CNIC \/ NICOP (if applicable)<\/li>\n<li>Employer Certificate (if applicable)<\/li>\n<li>Last 3 month\u2019s salary slips (if applicable)<\/li>\n<li>Valid business proof (if applicable)<\/li>\n<li>Last 12 months\u2019 bank statement (original <strong><u>or<\/u><\/strong> duly attested by the bank)<\/li>\n<li>Copies of last 2 years tax documents (where applicable)<\/li>\n<li>Copy of property title documents (if already selected)<\/li>\n<li>Any other documents (Optional)<\/li>\n<\/ul>\n<h4><strong>Customer Onboarding Journey :<\/strong><\/h4>\n<p>[\/vc_column_text][vc_single_image image=&#8221;3470&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;list_new_bar&#8221;]<\/p>\n<h4><strong>Turn Around Time (TAT*):<\/strong><\/h4>\n<ul class=\"custul1\">\n<li>Online application submission till applicant\u2019s consent along with credit, income checks, and verification till approval stage:\u00a0<strong>1-4 working days<\/strong><\/li>\n<li>The decision of the bank on the financing: <strong>1-2 working days<\/strong><\/li>\n<li>Property Finalization \/ Title Documents for obtaining Preliminary Legal Opinion &amp; Appraisal Report from submission of complete documents: <strong>10-15 working days<\/strong><\/li>\n<li>Legal documents signing till financing disbursal stage: <strong>3-5 working days<\/strong><\/li>\n<li>Completion of Registrar requirements &amp; Disbursement:<strong> 10-15 working days<\/strong><\/li>\n<\/ul>\n<p>*<em>TAT may extend in case of any additional scrutiny, delay at the customer\u2019s end, or any unforeseen circumstance beyond the Bank\u2019s control<\/em>[\/vc_column_text][vc_column_text el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1758626703318{background-color: #f3f9f5 !important;}&#8221;]<\/p>\n<h4>Frequently Asked Questions (FAQs):<\/h4>\n<p><strong>Q<\/strong>: Where can I submit my financing request?<\/p>\n<p><strong>A:<\/strong> Financing applications may be submitted through HABIBMETRO\u2019s online web banking portal<\/p>\n<p><strong>Q:<\/strong> Who can be co applicant for Roshan Apna Ghar?<\/p>\n<p><strong>A:<\/strong> Family members including Father, Mother, Spouse, Siblings of RDA Holder in HABIBMETRO Bank are allowed to be co-applicants.<\/p>\n<p><strong>Q:<\/strong>\u00a0Would I be able to withdraw from my RDA, in case I am a lien-based customer?<\/p>\n<p><strong>A:<\/strong>\u00a0You will not be able to withdraw from the amount marked as lien; withdrawals can be made from the amount over and above that.<\/p>\n<p><strong>Q:<\/strong>\u00a0Is remittance through the banking channel mandatory?<\/p>\n<p><strong>A:<\/strong>\u00a0Remittance through the banking channel is mandatory only for the remittance-based segment.<\/p>\n<p><strong>Q:<\/strong> How long will it take to process my financing?<\/p>\n<p><strong>A:<\/strong> The Bank generally takes 7-10 working days to process the financing provided there is no delay at the customer\u2019s end.<\/p>\n<p><strong>Q:<\/strong> Is there any other source of income required for the co-applicant (family member in Pakistan)?<\/p>\n<p><strong>A:<\/strong>\u00a0No, there is no source of income required for a co-borrower.<\/p>\n<p><strong>Q:<\/strong>\u00a0What is the minimum documentation requirement?<\/p>\n<p><strong>A:<\/strong>\u00a0The minimum documentation requirement is as following for RDA Holders:<\/p>\n<ul class=\"custul1\">\n<li>Online financing request<\/li>\n<li>Bank statement\/salary slips\/remittance proof (if not provided at the time of account opening)<\/li>\n<li>Legal documents will require a wet signature of an applicant<\/li>\n<li>The list of \u201c<em>documentation requirements<\/em>\u201d is available on our RDA webpage<\/li>\n<\/ul>\n<p><strong>Q:<\/strong>\u00a0What purpose\/category can be covered under Home financing?<\/p>\n<p><strong>A:<\/strong>\u00a0For buying, building, or renovating your home in Pakistan.<\/p>\n<p><strong>Q:<\/strong>\u00a0Is the verification of co-borrower residing in Pakistan required?<\/p>\n<p><strong>A:<\/strong>\u00a0Both physical (residence &amp; office) and telephonic verification of co-borrower will be done.<\/p>\n<p><strong>Q<\/strong>: Can a developer \/ builder enlist their project(s) with HABIBMETRO?<\/p>\n<p><strong>A:<\/strong> Yes, in case any developer \/ builder intends to enlist their project with HABIBMETRO, kindly contact the bank at the following email ID: rdasupport@habibmetro.com[\/vc_column_text][vc_column_text]<\/p>\n<h4><strong>Contact\u00a0our\u00a0Dedicated\u00a0Representatives<\/strong><\/h4>\n<table class=\"table\">\n<tbody>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Name&quot;}\">Name<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Designation&quot;}\">Designation<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;City&quot;}\">City<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Email Address&quot;}\">Email Address<\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Anwer Kamal Ansari&quot;}\">Anwer Kamal Ansari<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Karachi&quot;}\">Karachi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;anwer.ansari@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:anwer.ansari@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:anwer.ansari@habibmetro.com\" target=\"_blank\" rel=\"noopener\">anwer.ansari@habibmetro.com<\/a><\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Mohammad Asghar&quot;}\">Mohammad Asghar<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Karachi&quot;}\">Karachi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;asghar.tejani@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:asghar.tejani@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:asghar.tejani@habibmetro.com\" target=\"_blank\" rel=\"noopener\">asghar.tejani@habibmetro.com<\/a><\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Nadia Rafi&quot;}\">Nadia Rafi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Karachi&quot;}\">Karachi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;nadia.rafi@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:nadia.rafi@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:nadia.rafi@habibmetro.com\" target=\"_blank\" rel=\"noopener\">nadia.rafi@habibmetro.com<\/a><\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Abdul Majeed&quot;}\">Abdul Majeed<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Islamabad&quot;}\">Islamabad<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;majeed.khan@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:majeed.khan@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:majeed.khan@habibmetro.com\" target=\"_blank\" rel=\"noopener\">majeed.khan@habibmetro.com<\/a><\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Emran Agha&quot;}\">Emran Agha<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Lahore&quot;}\">Lahore<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;emran.agha@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:emran.agha@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:emran.agha@habibmetro.com\" target=\"_blank\" rel=\"noopener\">emran.agha@habibmetro.com<\/a><\/td>\n<\/tr>\n<tr>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Syed Adeel Raza Naqvi&quot;}\">Syed Adeel Raza Naqvi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;RM&quot;}\">RM<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Karachi&quot;}\">Karachi<\/td>\n<td data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;adeel.raza@habibmetro.com&quot;}\" data-sheets-hyperlink=\"mailto:adeel.raza@habibmetro.com\"><a class=\"in-cell-link\" href=\"mailto:adeel.raza@habibmetro.com\" target=\"_blank\" rel=\"noopener\">adeel.raza@habibmetro.com<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text el_class=&#8221;list_new_bar&#8221;]HABIBMETRO Roshan Digital Account (RDA) holders can now buy, build or renovate a home for their loved ones residing in Pakistan, through the Roshan Apna Ghar facility. Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card are eligible for opening Roshan Digital Account and applying for Roshan Apna Ghar. Roshan Apna Ghar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2168,"parent":2370,"menu_order":21,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2572","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Roshan Apna Ghar | HABIBMETRO Bank<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Roshan Apna Ghar | HABIBMETRO Bank\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text el_class=&#8221;list_new_bar&#8221;]HABIBMETRO Roshan Digital Account (RDA) holders can now buy, build or renovate a home for their loved ones residing in Pakistan, through the Roshan Apna Ghar facility. Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card are eligible for opening Roshan Digital Account and applying for Roshan Apna Ghar. 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