Roshan Digital Account holders can now easily apply for Roshan Apni Car for their loved
ones on lowest Profit and Takaful rates.
Features & Benefits:
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Exclusive rates for UBL Roshan Digital Account holders
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Financing tenure of up to 7 years*
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Maximum financing amount up to PKR 8 Million
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Financing available for new and used cars
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Financing available on floating rates pricing:
- For Non Lien based segment: 12 Month’s Kibor + 1%
- For Lien based segment: SBP Floor Rate + 1%
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Down payment: Minimum 15% of the cost of vehicle
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Selection of reputable Takaful companies at competitive rates and
value added services
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Facility for lien/ pledge of equivalent amount of financing in Roshan
Digital Account or investment in Islamic/ Conventional Naya Pakistan Certificate
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Repricing on annual basis
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Islamic auto financing is based on Diminishing Musharakah contract and
installment payment starts after the delivery of vehicle
To apply online, login to UBL Netbanking and click on Roshan Services.
*For Lien based financing, the tenor may vary as per the validity of the instrument.
Click here for Roshan Apni Car’s FAQs.
Click here to view KFS of Roshan Apni Car
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Auto financing facility is based on a Diminishing Musharakah contract.
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Under Diminishing Musharakah, you participate in joint ownership of the vehicle with the Bank.
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Rental Payment starts after delivery of vehicle
Terms & Conditions
Click here
Eligibility Criteria
| Age Limits
|
Income
|
Tenure
|
| 22 years at the time of financing
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Salaried (Permanent) Rs. 150,000
|
2 Years as Salaried Person Minimum
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| For Salaried 60 years at the time of maturity
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SEB / SEP Rs. 150,000
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3 Years as SEB/SEP Minimum
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| 22 years at the time of financing
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|
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| For SEB/SEP 65 years at the time of maturity
|
|
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Category Wise Documentation
| Salaried Customers
|
Self Employed Customers
|
| CNIC Required (Front and Back)
|
CNIC Required (Front and Back)
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| Resident Card Required as an NRP Proof (Front and Back)
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Resident Card Required as an NRP Proof (Front and Back)
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| Pakistani passport or foreign passport
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Pakistani passport or foreign passport
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| Visa Copy / Iqama
|
Visa Copy / Iqama
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| Live Selfie Picture is Required
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Live Selfie Picture is Required
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| Source of Income Proof is Required (Last 3 Month Salary Slips)
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Source of Income Proof is Required (Attested)
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| 6 Months’ Salaried Bank Statement
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6 Months’ Business Bank Statement (Attested)
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| Origin country Credit Bureau Report Required.
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3 Year Tax Documents (Attested)
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| Nominee CNIC Required (Front and Back)
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Origin country Credit Bureau Report Required.
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| Nominee Details Required. (Contact # & Address)
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Nominee CNIC Required (Front and Back)
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| Nominee Picture required.
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Nominee Details Required. (Contact # & Address)
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| Nominee CNIC Required (Front and Back)
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Nominee CNIC Required (Front and Back)
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Note: All the attestation will be required from “Consulate General of Pakistan” of origin country.
Pricing
Floating Pricing (KIBOR Linked)
| Lien Based
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Non-Lien
|
| 1Y KIBOR
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1Y KIBOR + 1 %
|
*Re-priced annually, based on KIBOR One Year (Ask Side) Prevailing on last working day of the month prior to anniversary
Nominee Eligible
Parents, Siblings, Spouse & Adult Children