President Arif Alvi launched Apna Roshan Ghar, an initiative to help Overseas Pakistanis invest in and buy a house in Pakistan. He mentioned how Pakistanis in UAE play such an important role in the economic development of Pakistan and also termed UAE as “their second home”. The scheme was launched by the PM and a hifi event was held to launch it officially.

The government is very keen to increase the cash flow into the country and for that purpose they have already set up services like Roshan Account, Roshan Apni car and others. This is an addition to try and persuade people into investing into local property and build a house for themselves.

The initiative can now allow Pakistanis living abroad to either buy a house with their own savings or thought bank financing. Sharia Compliant as well as conventional financial facilities, both are available and time period can be chosen in between 3 to 25 years, depending on different things. The whole scheme is based on digital methods on both sides so not only does it make it easy but simple and secure; hence it’s now very convenient for Overseas Pakistanis to invest in the local property sector.

The scheme offers the following things:


  • Conventional or Sharia-compliant financing modes.


  • Loan repayment in 3 to 25 years.


  • Free insurance for purchased property


  • Fixed or variable rate).


  • Include other non-resident Pakistani(s) as co-borrower(s).


  • Physical presence of the borrower is not mandatory.


  • Off-plan financing available for pre-approved projects.

Banks working with Apna Roshan Ghar:


  • Bank Alfalah
  • Habib Bank Limited
  • United Bank Limited
  • Standard Chartered Bank
  • Faysal Bank
  • Muslim Commercial Bank
  • Meezan Bank


  • Samba Bank

There are also 2 financing options.

One is standard while the other is Government Mark Up Subsidy Scheme. In the standard scheme you again get two choices. Lien based and non lien based. In lien based, the banks can finance up to 99% of the value if you’re purchasing it constructing and 40% if you’re renovating. Physical presence is not required.

In non lien, the bank can provide 85% of the funds for constructing and buying while 30% for renovating.

In Government Mark Up Subsidy Scheme, there are different criteria’s in different tiers.

To apply for the program, the person should visit one of the registered (mentioned above) bank’s website for more details and contact them for further assistance.



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