UBL Roshan Apna Ghar

UBL Roshan Apna Ghar is a unique financing facility that enables Overseas Pakistanis to invest in residential real estate in Pakistan. The facility is open to all UBL Roshan Digital Account holders in both Conventional and Islamic modes of financing.


Bank Financing Plan

Bank Financing Plan enables you to choose from various mortgage plans designed to cater to all kinds of residential housing requirements.

The following mortgage plans are available
under this scheme:


Home Purchase

Buy a Home or Apartment


Build a Home

Plot + Construction


Home Equity

Renovating your Home

Standard Financing

Standard Financing

Avail a housing finance on bank’s exclusive standard rates for UBL Roshan Digital Account customers. Customers can further choose from lien/non-lien financing options.

Standard Financing Features and Eligibility Criteria
  • Maximum financing up to 100% against property value (terms & conditions apply)
  • Flexibility to make partial pre-payments with zero charges after first year
  • Complimentary Property Insurance (covering the financing amount)
  • For the first year 1% will be charged upon Early Termination afterward no charges will be levied
  • Processing fee Rs. 4,000/- (exclusive of FED)
  • Optional life Insurance covering death (due to any cause) and accidental/natural disability
Citizenship All non-resident RDA accountholders having valid NICOP
Product Category Buy, Land + Construction, Build, Renovation
Target Market
  • Salaried Individual
  • Non-salaried individual
Income Criteria SAL & Self Employeed Business /Self Employed Person: No minimum income
Co-applicant Co-applicant is mandatory. Co-applicant will be an immediate family member like spouse, parents, adult siblings & children. At least one should be permanently living in Pakistan
Co-Borrower for income clubbing 100% Co-Borrower’s income will be clubbed in case of spouse.
75% Co-Borrower’s income will be clubbed in case of other than spouse.
For the purpose of income clubbing, only a nonresident Pakistanis can be considered.
Maximum number of co-applicants Four co-applicants are allowed
Age (Applicant & Coapplicant / co-borrower)
  • Salaried Individual
    The age of applicant must not exceed 60 years however, may be extended to 65 years provided applicant justifies that he/ she can repay the loan even after retirement age.
  • Non-salaried individual
    The age of applicant must not exceed 65 years.
  • In case income is not clubbed, there is no age restriction for co-borrower/co-applicant.
    In case income is clubbed, same age criteria will be applicable as that of main applicant for Co-borrower / applicant.
Financing Range (Buy, Build)
  • Minimum: Rs. 500,000/-
  • Maximum :No Cap
Financing Range (Renovate only)
  • Minimum: Rs. 500,000/-
  • Maximum: Rs. 10 million
Financing Tenure
  • 3 to 25 Years
Payment frequency Option
  • EMI: Equal Monthly Installment
Debt to Equity Ratio (Buyer, Builder)
  • In case of Pak rupee: up to 99% of property value
  • In case of FCY: up to 99% of property value with lien equal to 105% on investment
Debt to Equity Ratio (Renovation only)
  • Up to 40% of FTV or PKR 10Mn only (whichever is lower)
Property Insurance To be Borne by Bank

*99% financing under Islamic mode of financing

Pricing With Lien Without Lien
Variable Rate 1-Year KIBOR only 1-Year KIBOR +1.5%

Self-Investment Option

UBL offers the facility to purchase a property in Pakistan without obtaining a financing plan. Under this scheme, the following options are available.

  • Choose from a range of approved listed properties ready for possession, offered by our authorized real-estate developers.
  • Select your own property and obtain payment and transaction facilitation services from UBL.
Frequently Asked Questions

Useful Links:

UBL Roshan Apna Ghar:


Government Mark-Up Subsidy Scheme:


UBL Address (Conventional Banking):


UBL Address Ameen (Islamic Banking):


Click here to download the General Power of Attorney (GPA) Specimen.