HBL Roshan Apna Ghar Calculator
HBL Roshan Apna Ghar is a home financing facility exclusively for Non-Resident Pakistanis holding a Roshan Digital Account, letting them remotely purchase, construct, or renovate property in Pakistan. Financing carries subsidized fixed rates of 4% to 9% under government housing tiers, or standard KIBOR-linked rates for non-subsidized properties, with repayments deducted in PKR from the RDA.
Roshan Digital Account Home Finance Calculator
Calculate your overseas property installment with subsidized rates:
HBL Islamic Home Finance Schedule
Complete month-by-month and yearly principal vs. markup distribution
PKR 125,774
PKR 9,600,000
PKR 20,585,730
PKR 30,185,730
| Year | Payment | Principal | Interest | Ending Balance |
|---|---|---|---|---|
| Yr 1 | 1,509,288 | 83,478 | 1,425,808 | 9,516,521 |
| Yr 2 | 1,509,288 | 96,811 | 1,412,475 | 9,419,709 |
| Yr 3 | 1,509,288 | 112,277 | 1,397,010 | 9,307,434 |
| Yr 4 | 1,509,288 | 130,209 | 1,379,079 | 9,177,226 |
| Yr 5 | 1,509,288 | 151,007 | 1,358,280 | 9,026,220 |
| Yr 6 | 1,509,288 | 175,125 | 1,334,162 | 8,851,096 |
| Yr 7 | 1,509,288 | 203,095 | 1,306,191 | 8,648,000 |
| Yr 8 | 1,509,288 | 235,535 | 1,273,751 | 8,412,465 |
| Yr 9 | 1,509,288 | 273,155 | 1,236,132 | 8,139,309 |
| Yr 10 | 1,509,288 | 316,785 | 1,192,502 | 7,822,524 |
| Yr 11 | 1,509,288 | 367,382 | 1,141,904 | 7,455,142 |
| Yr 12 | 1,509,288 | 426,064 | 1,083,223 | 7,029,080 |
| Yr 13 | 1,509,288 | 494,117 | 1,015,171 | 6,534,965 |
| Yr 14 | 1,509,288 | 573,036 | 936,250 | 5,961,930 |
| Yr 15 | 1,509,288 | 664,564 | 844,724 | 5,297,367 |
| Yr 16 | 1,509,288 | 770,709 | 738,578 | 4,526,658 |
| Yr 17 | 1,509,288 | 893,809 | 615,478 | 3,632,850 |
| Yr 18 | 1,509,288 | 1,036,571 | 472,716 | 2,596,279 |
| Yr 19 | 1,509,288 | 1,202,135 | 307,152 | 1,394,144 |
| Yr 20 | 1,509,288 | 1,394,144 | 115,143 | 0 |
All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).
Overseas Pakistani Housing EMI Schedule: Lien vs Non-Lien Options
| Financing Category | Advance Payment | Profit Rate | Approval Timeline |
|---|---|---|---|
| Lien-Based (Deposit-Backed) | 0% (100% Financed) | Discounted (11.00% to 12.00%) | 48 Hours Fast-Track |
| Non-Lien (Salary-Backed) | 15% to 25% | Subsidized (4% to 9%) or 1Y KIBOR | 7 to 10 Business Days |
Power of Attorney & Construction Supervision from Abroad
Since you're financing from abroad, HBL requires a Special Power of Attorney (SPA), attested through the Pakistani consulate in your country of residence, authorizing your nominee to sign mortgage documents and supervise construction on your behalf. For construction or renovation financing specifically, your nominee confirms milestone completion to HBL so staged disbursements can be released — start this paperwork early, since consulate attestation often takes longer than HBL's own approval process.
Repayment Mechanics — Foreign Currency & Exchange Rate Risk
Installments are always collected in PKR, regardless of whether your RDA itself is held in foreign currency. HBL converts your balance at the prevailing exchange rate on each due date, meaning your effective cost in your home currency fluctuates with PKR movement over your loan's tenure — a factor worth budgeting for on a 20-25 year facility.
Mandatory Loan Documentation Matrix
Prepare these verified documents to expedite your HBL financing application and ensure rapid eCIB clearance:
| Document Category | Salaried Applicants | Self-Employed / Business | NRP (Roshan Account) |
|---|---|---|---|
| 1. Proof of Identity | Copy of CNIC / Smart National ID | Copy of CNIC + Partner CNICs | NICOP / POC + Valid Passport & Visa |
| 2. Income & Bank Proof | Last 3 salary slips + 6 months bank statement | 12 months business bank statement + NTN | RDA Bank Account statement + Salary cert |
| 3. Employment / Business | HR Employment Letter stating designation | NTN Certificate, Partnership Deed / Form 29 | Work permit / Overseas employment contract |
| 4. Asset / Quotation | Dealer proforma invoice (Cars) / Title deed (Home) | Dealer quotation + commercial financials | Approved project booking / dealer invoice |
| 5. Address Verification | Recent utility bill (Electricity/Gas) | Commercial & residential utility bills | Overseas utility bill / tenancy agreement |
Related NRP Financing: Roshan Apni Car
If you're also financing a vehicle for family in Pakistan, HBL Roshan Apni Car uses the same Roshan Digital Account, lien/non-lien structure, and nominee-delivery model as this home financing product, so the paperwork and remote-application process will feel familiar.
Frequently Asked Questions
What are the markup rates for Roshan Apna Ghar?
Roshan Apna Ghar offers special government subsidized fixed rates of 4% to 9% for Tier 1 to Tier 3 housing schemes, and standard KIBOR-linked rates for non-subsidized commercial properties.
Can Overseas Pakistanis buy property anywhere in Pakistan?
Yes, you can buy or build a residential property in any approved housing society or municipal authority across Pakistan.
Do I need a Power of Attorney if I can't be physically present to sign documents?
Yes, HBL requires a Special Power of Attorney (SPA), executed and attested through the Pakistani consulate in your country of residence, authorizing your nominee to sign mortgage and construction-related documents on your behalf.
Can a family member supervise construction on my behalf while I'm abroad?
Yes, under the same SPA arrangement, a nominated family member can supervise construction and confirm milestone completion to HBL for staged disbursement, since you won't be present to inspect the site yourself.
How do exchange rate fluctuations affect my repayments if my income is in foreign currency?
Installments are collected in PKR regardless of your RDA's currency, so HBL converts your foreign-currency balance at the prevailing exchange rate on each due date. A weakening rupee can lower your effective foreign-currency cost, while a strengthening rupee increases it — factor this variability into your budgeting.
Can I apply for Roshan Apna Ghar entirely remotely, without visiting Pakistan?
Yes, from opening your Roshan Digital Account to loan approval and disbursement, the entire process is designed to be completed remotely, with your nominated attorney handling any in-person steps in Pakistan like property inspection and document collection.
How does Roshan Apna Ghar compare to HBL Roshan Apni Car?
Both are NRP-exclusive, RDA-linked financing facilities with similar lien-based and non-lien structures, but Roshan Apna Ghar finances property (up to 25-year tenure) while Roshan Apni Car finances vehicles (up to 7-year tenure). If you're financing both a home and a car from abroad, expect largely parallel application and nominee requirements across the two products.