Roshan Apna Ghar Offers:

• Automated journey for swift processing of the loan
• Maximum financing is available against property value
• Exclusive price offering
• Flexibility to make partial pre-payments with zero charges after the first year
• For the first year, 1% will be charged upon early termination; after which no charges will be levied
• Processing fee of PKR 4,000/- (exclusive of FED)
• Monthly installment to be paid through direct debit instructions from Roshan Digital Account
• No minimum income requirement

Salient Features:

• HABIBMETRO Roshan Digital Account Holders are allowed to avail home financing under this scheme for their loved ones residing in Pakistan
• Immediate family members are allowed to be the co-applicant in this loan (if applicable) – 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)
• In the case of Nominee, special power of attorney would be required duly attested by the relevant Pakistani Embassy (For Sample Format Click Here)
• 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)
• Optional life insurance covering death (due to any cause) and accidental/natural disability
• Free property insurance (covering the financing amount)
• Government mark-up subsidy scheme (GMSS) for housing financing will be applicable per already defined criteria under respective tiers
• 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 loan even after retirement age
• The maximum age of a non-salaried applicant must not exceed 65 years
• Minimum overall employment/business tenure of two (2) years

Government Mark-Up Subsidy Scheme (GMSS) – Mera Pakistan, Mera Ghar:

• Financing range of up to a maximum of PKR 10,000,000/-.
• Loan to Value (LTV) of up to a maximum of 90% (under T1 & T2) and up to a maximum of 85% (under T3)
• 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
• Financing tenure of minimum 5 years and a maximum of 20 years

Loan Calculator:

Please click on the link below to download and calculate your tentative installment

Download for GMSS |  Download for HABIBMETRO Home Finance

Documentation Requirement:

• Copy of co-applicants CNIC / NICOP (if applicable)
• Employer Certificate (if applicable)
• Last 3 month’s salary slips (if applicable)
• Valid business proof (if applicable)
• Last 12 months’ bank statement (original or duly attested by the bank)
• Copies of last 2 years tax documents (where applicable)
• Copy of property title documents (if already selected)
• Any other documents (Optional)

Customer Onboarding Journey :

Frequently Asked Questions (FAQs):

Q: Where can I submit my loan request?

A: Loan applications may be submitted through HABIBMETRO’s online web banking portal

Q: Who can be co-borrowers for Roshan Apna Ghar?

A: Family members including Father, Mother, Spouse, Siblings of RDA Holder in HABIBMETRO Bank are allowed to be co-borrowers.

Q: Would I be able to withdraw from my RDA, in case I am a lien-based customer?

A: You will not be able to withdraw from the amount marked as lien; withdrawals can be made from the amount over and above that.

Q: Is remittance through the banking channel mandatory?

A: Remittance through the banking channel is mandatory only for the remittance-based segment.

Q: How long will it take to process my loan?

A: The Bank generally takes 7-10 working days to process the loan provided there is no delay at the customer’s end.

Q: Is there any other source of income required for the co-borrower (family member in Pakistan)?

A: No, there is no source of income required for a co-borrower.

Q: What is the minimum documentation requirement?

A: The minimum documentation requirement is as following for RDA Holders:

• Online loan request
• Bank statement/salary slips/remittance proof (if not provided at the time of account opening)
• Legal documents will require a wet signature of an applicant
• The list of “documentation requirements” is available on our RDA webpage

Q: What purpose/category can be covered under Home financing?

A: For buying, building, or renovating your home in Pakistan.

Q: Is the verification of co-borrower residing in Pakistan required?

A: Both physical (residence & office) and telephonic verification of co-borrower will be done.

Q: Can a developer / builder enlist their project(s) with HABIBMETRO?

A: 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