Roshan Apna Ghar provides quick and convenient solutions to get housing finance in easy and affordable monthly installments.

Citizenship All non-resident RDA accountholders having valid NICOP
Product Category Buy, Build, Renovate
Target Market
Salaried Individual
Non-salaried individual
Co-applicant Co-applicant is mandatory.
Co-applicant will be an immediate family member like spouse, parents, adult siblings & children. At least one should be permanently living in Pakistan.
Co-applicant for income clubbing 100% Co-applicant income will be clubbed in case of spouse.
75% Co-applicant income will be clubbed in case of other than spouse.
For the purpose of income clubbing, only a non-resident Pakistanis can be considered.
Maximum number of co-applicants Four co-applicants are allowed
Age (Applicant & Co-applicant)
Salaried Individual
23 to 60 years

Non-salaried individual
23 to 65 years

Financing Range (Buy, Build)
Minimum Rs. 500,000/-
Maximum No cap
Financing Range (Renovate only)
Minimum Rs. 500,000/-
Maximum Rs. 10 million
Financing Tenure 3 to 25 Years
Debt to Equity Ratio Maximum financing (debt) up to 85% of property value subject to Finance amount and customer segment.
Debt to Equity Ratio (Renovation only) Financing up to 30 % of property value
Number of housing units at a time At a time one financing facility may be allowed
Debt Burden Ratio 45% of the net disposable income
Employment Status (for salaried individual only) Permanent & Contractual
Employment / Business Tenure Salaried: 2 years
Non-Salaried: 3 Years (2 Years for existing BAFL lending relationships)
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