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)

You may resume your application by using the reference number sent to your email address

Roshan Apna Ghar Calculator Retrieve Application

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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%.

	Subsidized Markup Rate	Maximum Property Size	Maximum Property Value	Maximum Financing	Conditions

Installment No.	Outstanding	Principal	Mark-up	EMI	Property Insurance	TMI

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Applicant Purpose Of Facility

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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Time at current Address *

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Complete Address *

Co-Applicant 3 Occupational Details

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Business *

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Identity Document (SNIC/CNIC/NICOP) *

Co-Applicant Contact Details

Co-Applicant Address Details

Current Address Details

Country *

City *

Complete Address *

Time at current Address *

Permanent Address Details

Same as Current Address

Country *

City *

Complete Address *

Co-Applicant 4 Occupational Details

Co-Applicant Present Employment / Business Details

Years in current Employment /
Business *

Co-Applicant Office Address Information

Office Address *

Co-Applicant Income Details

Details Of Property to be Financed

Declarations

I agree with the attached Terms and Conditions

I agree with the attached Roles and Responsibilities

I agree with the attached Undertaking

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* Accepted document formats are JPG/JPEG/PNG/PDF with atleast 200 DPI. Maximum acceptable file size is 2 MB per document.

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Your request has been submitted successfully against reference number 0000
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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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