Roshan Apna Ghar: home finance for overseas Pakistanis
Updated
How does Roshan Apna Ghar work?
Roshan Apna Ghar is the State Bank of Pakistan's home finance for non-resident Pakistanis and POC holders through a Roshan Digital Account: 3 to 25 years, up to 99% of the property value against a lien on your RDA balance or Naya Pakistan Certificates, or up to 85% against a mortgage, with a debt burden of at most 50% for non-lien (none for lien-based). Pricing on SBP's page: 1-year KIBOR (lien-based) or KIBOR + 1.5% (non-lien), or a fixed rate on the 5-year PIB.
| Lien-based | Non-lien | |
|---|---|---|
| Financing share | up to 99% (renovation 40%) | up to 85% (renovation 30%) |
| Security | lien on RDA balance or NPCs, no mortgage | mortgage of the property |
| Variable rate | 1-year KIBOR | KIBOR + 1.5% |
| Fixed rate | PKRV 5-year PIB | PKRV 5-year PIB + 1.5% |
| Tenor | 3–25 years | 3–25 years |
| Debt burden limit | none | 50% incl. this repayment |
| Minimum financing | PKR 500,000 | PKR 500,000 (renovation at most PKR 10,000,000) |
| Early repayment, first year | 1% of the outstanding | 1% of the outstanding |
Official rule: Roshan Apna Ghar, lien-based (financing against a lien on your RDA balance or Naya Pakistan Certificates, no mortgage): up to 99% of the property value to buy or build; up to 40% to renovate. (source, checked 2026-10-21)
Roshan Apna Ghar installment calculator
The form below uses the Roshan Apna Ghar limits. The rate is yours: KIBOR (today's on our KIBOR page) plus the margin, or the fixed rate in your offer — our prefilled rate is only an example.
- Financed
- PKR 17,000,000
- Down payment
- PKR 3,000,000
- Total mark-up/profit
- PKR 44,391,813
- Down payment + installments + fees
- PKR 64,391,813
SBP's limits come from its Prudential Regulations for Consumer Financing (as amended by BPRD Circular Letters 26 of 2020, 29 of 2021 and 19 of 2022), the Prudential Regulations for Housing Finance 2026 and the Business Conduct and Fair Treatment of Consumers framework (BC&FRF, 2025). Your bank's Key Fact Statement and its own credit review are what count.
Installments on this page follow the standard monthly formula on the reducing balance. Your bank counts mark-up or profit day by day between the actual payment dates and rounds each amount, so its own schedule can differ slightly. Only your signed offer and Key Fact Statement are binding.
Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.
Who can apply for the Roshan Apna Ghar scheme?
Roshan Apna Ghar: SBP's route for non-resident Pakistanis and POC holders to buy, build or renovate a home in Pakistan through the Roshan Digital Account, with conventional or Shariah-compliant financing.
How much can Roshan Apna Ghar finance?
- Lien-based: Roshan Apna Ghar, lien-based (financing against a lien on your RDA balance or Naya Pakistan Certificates, no mortgage): up to 99% of the property value to buy or build; up to 40% to renovate.
- Non-lien: Roshan Apna Ghar, non-lien (normal housing finance against a mortgage of the property): up to 85% of the property value to buy or build; up to 30% to renovate.
- Tenor: Roshan Apna Ghar financing runs 3 to 25 years.
- Pricing: Pricing on SBP's page: variable — 1-year KIBOR (lien-based) or KIBOR + 1.5% (non-lien); fixed — 5-year PIB PKRV (lien-based) or PKRV + 1.5% (non-lien); fixed/variable can be switched after 5 years.
- Debt burden, non-lien: Roshan Apna Ghar, non-lien financing (and the Government markup/profit subsidy scheme): the debt burden ratio may not exceed 50%, including this financing's repayment — the scheme's own limit, used instead of the general 65% housing limit. SBP's general housing rule for comparison: With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income.
- Debt burden, lien-based: Roshan Apna Ghar, lien-based financing (against a lien on your RDA balance or Naya Pakistan Certificates): no debt burden limit applies.
- Amounts: Roshan Apna Ghar: minimum financing PKR 500,000, no maximum — except non-lien renovation, capped at Rs 10 million. No minimum income.
- Paying off early: Roshan Apna Ghar: early repayment is allowed; in the first year of financing it costs 1% of the outstanding amount (no restriction under the Government markup/profit subsidy scheme).
Taxes on the purchase: If a non-resident holding a POC, NICOP or CNIC bought (acquired) the property through a Foreign Currency Value Account (FCVA) or NRP Rupee Value Account (NRVA) — the Roshan Digital Account types — the 236K tax on that purchase is final, and on a later sale of that property the 236C tax is final in place of capital gains tax. SBP's page: Roshan Apna Ghar.
Where to complain
- Your bank first, in writing. It must acknowledge the complaint and resolve it within SBP's time limits (card disputes within 45 working days at most).
- SBP's complaint portal Sunwai — sunwai.sbp.org.pk — also for Roshan Digital Accounts. Your Key Fact Statement carries the link.
- Banking Mohtasib Pakistan (the banking ombudsman) if the bank has not resolved your written complaint within 30 days — how to file.
Questions people ask
Who can apply for Roshan Apna Ghar?
Non-resident Pakistanis and Pakistan Origin Card holders with a Roshan Digital Account; other non-resident Pakistanis can be added as co-borrowers.
What is the difference between lien-based and non-lien?
Lien-based financing is secured by a lien on your RDA deposits or Naya Pakistan Certificates — no mortgage, up to 99% of the value. Non-lien is normal housing finance against a mortgage of the property, up to 85%.
Do I have to travel to Pakistan?
Not for lien-based Roshan Apna Ghar financing in Pakistan: documents are signed digitally and a nominee completes the transfer. For non-lien financing you need to be present or give a special power of attorney.
Is property insurance included?
SBP's page says insurance of the property up to the financing amount is free.
What debt burden ratio applies to Roshan Apna Ghar?
SBP's Roshan Apna Ghar FAQ: at most 50% including this financing's repayment for non-lien financing (and the Government markup subsidy scheme); no limit for lien-based financing. This scheme rule is used here instead of the general 65% of SBP's housing finance regulations.
Can I repay Roshan Apna Ghar early?
Yes — in Pakistan, in the first year of financing early repayment costs 1% of the outstanding amount; there is no restriction under the Government markup subsidy scheme.