Roshan Apna Ghar Scheme launched

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In collaboration with commercial banks of Pakistan, the State Bank of Pakistan (SBP) launched ‘Roshan Apna Ghar’ – a unique financing facility with easy and affordable monthly instalments, to enable overseas Pakistanis (Non-Resident Pakistanis) to invest in residential real estate in Pakistan.

Roshan Apna Ghar Scheme launched

The inauguration ceremony was attended by Prime Minister Imran Khan, Minister of Finance Mr. Shaukat Tarin, Governor State Bank of Pakistan (SBP), and Chairman Standing Committee on Info & Broadcasting Mr. Faisal Javed, among other notable personalities from the business, finance and real estate sector, including Chairman Imarat Group of Companies & CEO Mr. Shafiq Akbar and Group Director Mr. Farhan Javed.

“The initiative of SBP allows Non-Resident Pakistanis (NRPs) to buy, build or renovate their homes in Pakistan through own investment or bank financing,” said Governor SBP while introducing the package.

While lauding the efforts of the SBP and Overseas Pakistanis, Minister of Finance Mr. Shaukat Tarin said, “This collaboration is aimed to achieve the greater goal of attracting investments by overseas Pakistanis – one of the biggest assets of Pakistan.”

He promised the Ministry of Finance would back efforts of the central bank to introduce new avenues of investments for overseas Pakistanis.


Roshan Apna Ghar Scheme launched

“The transaction will be completed remotely and digitally and their investment will be fully repatriable. The housing finance is available in both conventional and Shariah-compliant variants at attractive rates for a period of 3 to 25 years, with financing rates starting from as low as 3 per cent,” he further elaborated.


About Roshan Apna Ghar Scheme

Roshan Apna Ghar Scheme launched


The Roshan Apna Ghar scheme offers two types of financing facilities, including

Standard Financing

Lien based financing – the NRPs can obtain a house finance facility against a lien on their RDA deposit balances or Naya Pakistan Certificates. Banks can finance up to 100% of the property value for the purchase or construction of a house; financing is capped at 40% of the property value for the renovation of a home.

Non-lien based financing – the typical housing finance offered against mortgage of the property to be purchased; banks may fund up to 85% of the property value for purchase or construction of a house, and up to 30% of the property value for the renovation of home.


Government Mark-up Subsidy Scheme

Available for RDA holders under Roshan Apna Ghar product as per differently defined criteria under respective tiers. Under this, the financing rates applicable to the Mera Pakistan Mera Ghar scheme would apply. Insurance of the property, up to the extent of the financing amount, is also free.


Roshan Digital Account

Bridging the existing gap through Fintech, the Government of Pakistan (GOP), in collaboration with the State Bank of Pakistan (SBP) unveiled ‘Roshan Digital Accounts’- a digital banking solution for the Overseas Pakistanis that offer our esteemed diaspora ease of payment and investment facilities in various sectors of Pakistan, including real estate, stocks, etc. to enjoy genuine services in their homeland.

Over 215,000 overseas Pakistanis with its banking system and attracted over $2,050 million since its launch in September last year.

A total of $1 billion in remittances were attracted within 8 months, whereas $1 billion were received in less than 4 months, marking the initiative’s success.


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