• Roshan Digital Account holder will visit the Roshan Apna Ghar web page, submit the Application Form, information of at least one co-applicant living in Pakistan, and required documents.
• Bank will analyze the application and may require any other information / document(s).
• The applicant will arrange to provide documents of intended financing property (if not provided earlier).
• Upon satisfaction of the bank, the facility will be approved and intimated to the Applicant.
• The applicant would be required to open a  Roshan Digital PKR Account (if previously not available).
• If the Applicant is in Pakistan or visiting within 60 days from the date of approval, legal agreements will be executed here in Pakistan. Otherwise, the bank will dispatch Legal Documents to the applicant's registered address.
• The applicant will sign the documents, arrange the endorsement by the Pakistani Embassy, and will send them back to the bank's address. In case of co-applicant(s) living abroad, the same process will also be applied for the co-applicant(s).
• Co-applicant living in Pakistan will also sign the legal documents.
• Bank will disburse the facility and prepare the banker's cheque in favor of the seller.
• The property will be transferred at concerned registrar/society/authority office.
• Banker's cheque will be handed over to seller after completion of all necessary formalities including Title Transfer and subject to mortgage creation.

• Bank will enlist off-plan projects after assessment and necessary approvals and arrangements.
• Roshan Digital Account holder will visit the Roshan Apna Ghar web page, submit the Application Form, information of atleast one co-applicant living in Pakistan (optional for lien based financing), choosing the off-plan project, and required documents.
• Bank will analyze the application and may require any other information / document.
• Builder / Developer will provide documents of intended financing property and will issue a letter of lien in favor of the bank.
• Upon satisfaction of the bank, the facility will be approved and intimated to the applicant.
• The applicant would be required to open a  Roshan Digital PKR Account (if previously not available).
• If the applicant is in Pakistan or visiting within 60 days from the date of approval, legal agreements will be executed here in Pakistan. Otherwise, the bank will dispatch Legal Documents to the applicant’s registered address.
• The applicant will sign the documents, arrange the endorsement by the Pakistani Embassy for non-lien based facility / recording of view for lien based facility, and will send them back to the bank’s address. In case of co-applicant(s) living abroad, the same process will also be applied to the co-applicant(s).
• Co-applicant living in Pakistan (where applicable) will also sign the legal documents.
• Builder / Developer will provide security documents and guarantee to the bank.
• Milestone based disbursement will be performed and tranche-wise payment to be made through the escrow account.
• The property will be transferred at concerned registrar/society/authority office after its completion.

Income clubbing only of NRP(s) is allowed, where all documents mentioned for applicant would be required from co-applicant as well. For no income clubbing, following documents are required:

• Copy of Co-Applicant's CNIC/ NICOP.
• Two passport-sized coloured photographs of co-applicant(s) each.

The applicant may avail housing finance facility under Roshan Apna Ghar for residential purpose. This facility is available for purchase, construction, purchase of plot and construction thereupon. Renovation is also available for lien based and non-lien based facility.

Non-Resident Pakistanis (NRPs), holder of NICOP, having Roshan Digital Account at Bank AL Habib with satisfactory credit history and repayment capacity are eligible to apply Roshan Apna Ghar financing facility.

For lien and non-lien based facility, tenure of financing is up to 25 years.

Maximum time for approval of the facility is 30 working days subject availability of all required documents and satisfactory verifications.

For SHFF

• Flexibility to make partial pre-payments with zero charges after first year.
• For First year 1% will be charged upon Early Termination after words NO charges will be levied.

You need to pay all applicable taxes imposed by relevant Government Authorities.

For lien based facility, the mortgage is not required. However, copy of property documents including the title deed in your name would be required for the bank’s record.

There is no restriction on disinvestment, however in case of disinvestment within three years from the final payment of investment, the principal amount can be repatriated only, any capital gain can also be repatriated after three years.

To apply for Roshan Apna Ghar, you need to open a Roshan Digital PKR Account (if not available earlier on your name) and login to the web page to apply digitally with the required documents.