Roshan Apna Ghar Scheme

Roshan Apna Ghar is an initiative led by the State Bank of Pakistan (SBP) that aims to ease the Pakistani diaspora around the world. The scheme is available to all the customers of Roshan Digital Account (RDA), Islamic Naya Pakistan Certificate (INPC), and Naya Pakistan Certificates (NPCs).
Roshan Apna Ghar financing scheme is available to to investors who are willing to keep their money as a lien against their net financing amount or as collateral or avail of financing without cash collateral. In addition, customers of government mark-up subsidiary schemes can also avail the housing finance option.

Key Features of the Scheme

Borrowers can opt either Conventional or Sharia compliant financing.

The scheme provides a flexible tenor of 3 to 25 years.

Roshan Apna Ghar scheme provides free property insurance up to the extent of financing amount.

Some banks offer free credit risk coverage up to the outstanding amount of financing.

Physical presence of borrower not necessary as the process is end to end digital.

The program allows for pricing mechanisms of variable and fixed rates.

Types of Financing Available

Roshan Digital Account (RDA) provides Standard Financing as well as Government Mark-up Subsidy Scheme (GMSS).

Lien Based

Non-Lien Based

Mark-up Subsidy
Scheme (GMSS)

Banking Partners