We believe, a home is a place where the heart and mind are at peace. Bank AL Habib, keeping its long and recognized history for customer oriented products and services, now offers Roshan Apna Ghar (RAG) housing finance facility for Non-Resident Pakistanis having a Roshan Digital Account at BAHL.
This product is categorized into two sub-categories:

RAG Standard Housing Finance Facility (SHFF)
RAG Government Markup Subsidy Scheme (G-MSS)

Roshan Apna Ghar Calculator

Roshan Apna Ghar Calculator

Standard Housing Finance Facility (SHFF)

Govt. Markup Subsidy Scheme (G-MSS)

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* For financing period execeeding 10 years, Bank Pricing will be applicable i.e, 1 Year KIBOR + 4%.

* Tier 2: The facility is for first time home owner, and restricted to one unit per household. For House upto 125 sq yds (5 Marla) and Flat / apartment with maximum covered area of 1,250 sq ft. Maximum financing is PKR 6.0 Million. Applicable rates for first five years are 5.0%, next five years are 7.0%, and 1 Year KIBOR + 4.0% for period exceeding 10 years.

* Tier 3: The facility is for first time home owner, and restricted to one unit per household. For House upto 250 sq yds (10 Marla) and Flat / apartment with maximum covered area of 2,000 sq ft. Maximum financing is PKR 10.0 Million. Applicable rates for first five years are 7.0%, next five years are 9.0%, and 1 Year KIBOR + 4.0% for period exceeding 10 years.

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Tier 2: The facility is for first time home owner, and restricted to one unit per household. For House upto 125 sq yds (5 Marla) and Flat / apartment with maximum covered area of 1,250 sq ft. Maximum financing is PKR 6.0 Million. Applicable rates for first five years are 5.0%, next five years are 7.0%, and 1 Year KIBOR + 4.0% for period exceeding 10 years.

Tier 3: The facility is for first time home owner, and restricted to one unit per household. For House upto 250 sq yds (10 Marla) and Flat / apartment with maximum covered area of 2,000 sq ft. Maximum financing is PKR 10.0 Million. Applicable rates for first five years are 7.0%, next five years are 9.0%, and 1 Year KIBOR + 4.0% for period exceeding 10 years.

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You are requested to provide your feedback on overall experience, suggestions/complaints (if any) for further improvements at RDA@bankalhabib.com or call at our 24/7 call center (+92) 21 111-014-014.

Customers may also share their feedback and suggestions related to Roshan Digital Account to State Bank of Pakistan (SBP) at RDASupport@sbp.org.pk

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