Roshan Apna Ghar Scheme 2025 allows Overseas Pakistanis and POC holders to buy, build, or renovate property in Pakistan digitally and remotely through their Roshan Digital Account (RDA). Explore features, financing options, pre-approved projects, and FAQs.
What is Roshan Apna Ghar Scheme?
For the first time in Pakistan’s history, the State Bank of Pakistan (SBP) has launched the Roshan Apna Ghar Scheme – a unique housing finance and investment product designed exclusively for Non-Resident Pakistanis (NRPs) and Pakistan Origin Card (POC) holders.
Through Roshan Apna Ghar Scheme, NRPs can:
- Buy property directly in Pakistan
- Build or renovate a house
- Invest in pre-approved real estate projects
- Avail bank financing (Conventional or Shariah-compliant) at attractive rates
The entire process is digital, remote, and hassle-free, making it convenient for overseas Pakistanis to invest in Pakistan’s real estate sector.
Key Features of Roshan Apna Ghar Scheme
1 Buy property remotely and digitally
2 Choice of pre-approved projects for faster approvals
3 Attractive financing rates (fixed & variable)
4 Both conventional & Shariah-compliant financing
5 Flexible repayment tenure from 3 to 25 years
6 Free property insurance coverage
7 Full repatriability of investment
8 Simple taxation structure
How Overseas Pakistanis Can Buy Property
1. Buy Directly with Own Funds
NRPs can directly purchase property using their Roshan Digital Account (RDA).
Steps:
- Select property of choice
- Upload title documents
- Nominate a representative in Pakistan
- Bank verifies documents and releases payment
2. Buy with Bank Financing
Overseas Pakistanis can also apply for bank financing at competitive rates. Financing can be availed for:
- Self-selected properties
- Pre-approved projects (faster processing)
Types of Roshan Apna Ghar Financing
| Financing Type | Details |
|---|---|
| Standard Financing | Normal housing finance against mortgage of the property. |
| Lien-Based Financing | Finance against lien on RDA deposits or Naya Pakistan Certificates (NPCs). No mortgage required. Banks finance up to 99% of property value. |
| Non-Lien Based Financing | Mortgage-based housing finance. Banks fund up to 85% of property value for purchase/construction. Requires Power of Attorney or borrower’s presence for title transfer. |
| Government Mark-up Subsidy Scheme (GMSS) | Financing available under subsidized rates as per government tiers. |
| Off-Plan Financing | For under-construction projects from pre-approved builders. Includes tripartite agreements (Bank, Builder, Borrower). |
Financing Rates of Roshan Apna Ghar
| Product Type | Variable Rate | Fixed Rate |
|---|---|---|
| Lien-Based Financing | 1 Year KIBOR | 5-Year PIB Rate |
| Non-Lien Based Financing | KIBOR + 1.5% | PIB + 1.5% |
- Borrowers can choose fixed or variable rates.
- After 5 years of fixed rate, customers can opt for variable.
Benefits for Overseas Pakistanis
- No physical presence required (except in some mortgage-based cases).
- Option to nominate a representative in Pakistan.
- Co-borrowing allowed with other NRPs.
- Free credit risk coverage offered by select banks.
- Investment fully repatriable abroad.
Also Check
Visit For more Schemes or Program : https://pakgovschemes.pk/
How to Apply for Roshan Apna Ghar Scheme
- Open a Roshan Digital Account (RDA) with a participating bank.
- Visit the Roshan Apna Ghar page on the bank’s website.
- Choose your property (self-selected or pre-approved).
- Submit required documents digitally.
- Nominate a representative in Pakistan (if required).
- Finalize financing option and sign documents digitally.
Frequently Asked Questions (FAQs)
1. What is Roshan Apna Ghar?
It is a housing finance scheme for Overseas Pakistanis and POC holders to buy, build, or renovate property in Pakistan digitally.
2. Who can apply?
Any Non-Resident Pakistani (NRP) or POC holder with a Roshan Digital Account in PKR.
3. What financing types are available?
Standard financing
Lien-based financing (against RDA/NPCs)
Non-lien based financing (mortgage-based)
Off-plan financing
Government Markup Subsidy Scheme
4. What properties are eligible?
Self-selected properties
Pre-approved projects listed by RDA banks
Off-plan properties (under construction projects)
5. How long is the loan tenure?
Between 3 to 25 years, depending on the financing type.
6. What are the financing rates?
Lien-based: 1 Year KIBOR or PIB Rate
Non-lien based: KIBOR + 1.5% or PIB + 1.5%
GMSS: Subsidized rates from 3% to 9% (first 10 years).
7. Do NRPs need to be present in Pakistan?
No. The process is fully digital, except for some mortgage-based cases where Power of Attorney may be required.
8. Can I buy property without a loan?
Yes, NRPs can directly buy property in Pakistan using own funds via RDA.
9. Is property insurance included?
Yes, free property insurance is provided by banks up to the financing amount.
10. Can I sell the property later and repatriate funds?
Yes, all investments through RDA are fully repatriable under SBP regulations.
Final Words for Roshan Apna Ghar Scheme
The Roshan Apna Ghar Scheme 2025 is a historic initiative that allows Overseas Pakistanis to invest in Pakistan’s real estate market with complete ease. With digital processing, attractive financing, pre-approved projects, and full repatriability, this scheme opens doors for NRPs to own a home in their homeland without any hassle.
Latest Government Schemes
Visit our website for more Updates about Government Schemes :
https://pakgovschemes.pk
For More SCHEMES or PROGRAMS like this visit here :
Source & Authority Note
This article is published by Pakgovschemes.pk, an independent informational platform that covers verified Government welfare schemes in Pakistan. Information is compiled from official Government Portal for public awareness only.
Disclaimer
Pakgovschemes.pk does not offer registrations, forms, or application services. Applicants should always apply through official Government portals only. We do not collect CNIC numbers or personal data.