UBL Roshan Apna Ghar

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

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

Lien Based Financing
Non-Lien Based Financing

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, Build, Renovate
Target Market	Salaried Individual Non-salaried individual
Income Criteria	There will be no minimum income criteria.
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)	Maximum up to 85% of property value
Debt to Equity Ratio (Renovation only)	Up to 40 % of property value

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, Build, Renovate
Target Market	Salaried Individual Non-salaried individual
Income Criteria	There will be no minimum income criteria.
Co-applicant	Co-applicant is not mandatory in this case, however if opted it will be an immediate family member like spouse, parents, adult siblings & children. Further, applicant also has an option of appointing a “nominee” to carry out any assignment on his/her behalf having no legal obligations on nominee.
Co-Borrower for income clubbing	100% Co-borrower / Co-applicant income will be clubbed. For the purpose of income clubbing, only 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: No Cap
Financing Tenure	3 to 25 Years
Payment frequency Option	EMI: Equal Monthly Installment
Debt to Equity Ratio (Buyer, Builder)	In case of Pak rupee: Maximum up to 99% of property value. In case of FYC: Maximum up to 99% of property value (however, lien equal to 105% of property value would be created on NPC/INPC/RDA Deposits to cater for foreign exchange rate volatility.
Debt to Equity Ratio (Renovation only)	Up to 40 % of property value

*99% financing under Islamic mode of financing

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

Government Mark-Up Subsidy Scheme (G-MSS)

UBL also offers housing finance through Government Mark-Up Subsidy Scheme to UBL Roshan Digital Account customers on predefined discounted rates.

Click here for more details

Off-Financing Plan

Invest in future projects through UBL Off-Financing Plan.

Coming soon

Features & Benefits