Roshan Apna Ghar: A Revolutionary Housing Solution for Overseas Pakistanis

A comprehensive look at State Bank of Pakistan’s groundbreaking initiative and how Maalikan Estate & Builders is setting new standards in the real estate sector for Non-Resident Pakistanis

Introduction: A Historic Initiative for Overseas Pakistanis

For the first time in Pakistan’s history, the State Bank of Pakistan (SBP) has launched Roshan Apna Ghar, a revolutionary product exclusively designed for Non-Resident Pakistanis (NRPs) and Pakistani Origin Card (POC) holders. This innovative platform enables overseas Pakistanis to digitally and remotely purchase, build, or renovate property in Pakistan through personal investment or bank financing, eliminating traditional barriers that have long hindered expatriate investment in Pakistan’s real estate market.

Roshan Apna Ghar: Transforming Dreams into Reality

The Roshan Apna Ghar initiative represents a paradigm shift in how overseas Pakistanis interact with their homeland’s real estate sector. The program offers:

Digital End-to-End Process: Complete property transactions remotely without physical presence in Pakistan
Dual Financing Options: Both conventional and Shariah-compliant financing variants
Flexible Repayment Terms: Financing periods ranging from 3 to 25 years
Competitive Rates: Specially designed attractive financing rates for NRPs
Simplified Procedures: Streamlined documentation and approval processes
Repatriation Guarantee: All investments made through Roshan Digital Accounts (RDAs) are fully repatriable
Tax Efficiency: Investments are subject only to full and final taxation

Maalikan Estate & Builders: A Premier Partner in the Roshan Apna Ghar Ecosystem

Maalikan Estate & Builders has emerged as one of the leading real estate developers participating in the Roshan Apna Ghar program, offering specialized services and projects tailored specifically for overseas Pakistanis.

Company Profile and Expertise

Established as a forward-thinking real estate development company, Maalikan Estate & Builders has built a sterling reputation for quality construction, transparent dealings, and innovative property solutions. With over a decade of experience in Pakistan’s property market, Maalikan has:

Developed over 20 residential and commercial projects across major Pakistani cities
Established a dedicated NRP services division to cater specifically to overseas Pakistani investors
Created streamlined digital processes aligned with the Roshan Apna Ghar initiative
Implemented international quality standards in construction and project management
Maintained a 95% customer satisfaction rate among diaspora investors

Exclusive Maalikan Projects for Roshan Apna Ghar Participants

Maalikan Estate & Builders offers several pre-approved projects under the Roshan Apna Ghar program, including:

Maalikan Heights – Luxury apartment complexes in Islamabad featuring smart home technology, 24/7 security, and community amenities
Maalikan Villas – Gated communities in Lahore with Spanish-inspired architecture and extensive landscaping
Maalikan Business Square – Commercial plazas in Karachi designed for both investment returns and business operations
Maalikan Garden Homes – Eco-friendly residential communities in Faisalabad with sustainable design elements

All Maalikan projects feature:

Pre-approval from major RDA participating banks
Expedited processing for Roshan Apna Ghar applicants
Digital 3D tours and virtual property viewing options
Transparent pricing with no hidden charges
Dedicated customer service representatives for NRP clients
Regular digital construction updates for remote investors

The Investment Process: Simplicity and Security Combined

Direct Property Purchase Through Maalikan Estate & Builders

For NRPs looking to invest directly in Maalikan properties:

Browse Maalikan’s digital catalog through your RDA participating bank’s Roshan Apna Ghar portal
Select your preferred Maalikan property and request documentation
Submit the required documentation through your RDA
Nominate a representative in Pakistan or use Maalikan’s power of attorney service
The bank conducts due diligence on both the property and Maalikan as the developer
Upon approval, funds are transferred directly to Maalikan from your RDA
Maalikan completes all transfer formalities and provides regular updates throughout the process

Financing a Maalikan Property Through Roshan Apna Ghar

For those seeking bank financing:

Apply for pre-approval through your RDA participating bank
Receive your financing limit based on income verification and repayment capacity
Select from Maalikan’s pre-approved projects list – https://maalikan.com/cda-approved-housing-societies-in-islamabad/
Choose between conventional or Islamic financing options
Complete the digital application process
Receive financing approval with customized repayment plans
Maalikan facilitates property transfer and provides handover services

Exclusive Benefits When Choosing Maalikan Properties

Maalikan Estate & Builders offers several advantages specifically designed for Roshan Apna Ghar participants:

Preferred Pricing: Special discounts for NRP investors using the Roshan Apna Ghar pathway
Enhanced Return on Investment: Rental yield guarantees on selected properties
Property Management Services: Comprehensive management solutions for absentee owners
Furnishing Packages: Turnkey solutions for immediate occupancy or rental
Legal Protection: Complete documentation and title verification
Future Resale Assistance: Support for eventual property liquidation if required
Investment Portfolio Diversification: Options across residential, commercial, and mixed-use developments

The Impact on Pakistan’s Economy and Diaspora Connections

The partnership between the State Bank’s Roshan Apna Ghar initiative and quality developers like Maalikan Estate & Builders creates a powerful economic catalyst:

Increased foreign direct investment in Pakistan’s real estate sector
Strengthened ties between overseas Pakistanis and their homeland
Creation of jobs in construction and related industries
Modernization of Pakistan’s property development standards
Enhanced transparency in real estate transactions
Growth in the formal banking sector through increased mortgage activity
Development of new housing stock to address Pakistan’s housing shortage

Customer Testimonials: Real Stories from Maalikan’s NRP Clients

“As a Pakistani physician working in Saudi Arabia for 15 years, I always dreamed of owning property in Islamabad. Through Roshan Apna Ghar and Maalikan Estates, I purchased an apartment in Maalikan Heights entirely digitally. The process was seamless, transparent, and far easier than I imagined.” – Dr. Farhan Ahmed, Riyadh

“Maalikan’s team understood the unique concerns of overseas investors. Their regular updates and virtual tours made me confident in my investment decision despite being thousands of miles away in Australia.” – Saadia Khan, Sydney

Looking Ahead: The Future of NRP Investment with Maalikan

Maalikan Estate & Builders continues to innovate within the Roshan Apna Ghar framework, with planned developments including:

Technology-integrated smart communities
Retirement-focused developments for returning expatriates
Mixed-use developments combining residential and commercial spaces
Vacation properties in Pakistan’s northern areas
Affordable housing options with attractive investment returns

Conclusion: A New Era for Overseas Pakistani Investors

The State Bank of Pakistan’s Roshan Apna Ghar initiative, complemented by quality developers like Maalikan Estate & Builders, represents a transformative opportunity for the Pakistani diaspora. It removes longstanding barriers to property investment, creates transparent pathways to homeownership, and strengthens the bonds between overseas Pakistanis and their homeland.

For the millions of Pakistanis living abroad, this partnership offers not just investment opportunities but a chance to maintain meaningful connections with Pakistan while contributing to its economic development.