HBL Roshan Apni Car scheme (Roshan Digital account)
HBL Roshan Apni Car scheme (Roshan Digital account) : The HBL Roshan Apni Car program is tailored to meet the unique needs of NRPs who wish to extend financial support to their families in Pakistan.
Recognizing the aspirations of these individuals to provide comfort and convenience to their loved ones, HBL has introduced a hassle-free car financing scheme exclusively for them.
Streamlined Financing Process
One of the standout features of the HBL Roshan Apni Car program is its streamlined and convenient financing process.
NRPs can apply for car financing remotely through the Roshan Digital Account platform. This digital channel enables them to initiate and complete the application process without the need for physical presence in Pakistan, ensuring efficiency and ease of access.
Eligibility Criteria
| CRITERIA | SELF EMPLOYED BUSINESSMAN / PROFESSIONALS | SALARIED | REMITTANCE BASED | LIEN BASED |
|---|---|---|---|---|
| Minimum Monthly Income | Equivalent to PKR 200,000/- | Equivalent to PKR 200,000/- | Equivalent to PKR 200,000/- | Not Applicable on Lien Based |
| Age | Minimum 21 at inception | Minimum 22 at inception | Depending upon remitter being salaried or self-employed | Not Applicable on Lien Based |
| Maximum 65 at maturity | Maximum 60 or retirement age | |||
| Maximum Exposure | PKR 10 Million | PKR 10 Million | PKR 10 Million | No Limit |
| Minimum Security Deposit | 15% | 15% | 15% | 0% |
FEATURES
- Maximum PKR 10 million loan can be availed
- Pay within a 7-year time period
- Multiple partial payment options available
- Our network of over 150 eligible dealers means you have lots of brands and cars to choose from
- Customer can select from wide range of New Locally Manufactured Vehicles (NLMV) like Honda, Toyota, Suzuki and KIA as well as Completely Built Units (CBU) like Audi, BMW and Mercedes
- Priority delivery of selected brands (Suzuki, Honda, Toyota, Kia & Hyundai)
- 24/7 support available through HBL Phone Banking +92 21 111 555 425
- Dedicated after sales service.
- Secured insurance at all times for peace of mind (with & without tracker facility)
- Special low insurance rates from renowned insurance companies
Competitive Financing Packages
The financing plans cater to various vehicle models and budgets, allowing individuals to choose according to their preferences and financial capabilities.
The program offers competitive financing packages with flexible repayment options, making it accessible and affordable for NRPs.
Convenient Repayment Options
HBL Roshan Apni Car understands the diverse financial situations of NRPs and offers convenient repayment options.
From flexible tenure periods to manageable installment plans, the program aims to accommodate the financial preferences of the applicants, making the repayment process smoother and more convenient.
Dedicated Customer Support
NRPs engaging with the HBL Roshan Apni Car program benefit from dedicated customer support services. Trained professionals guide applicants through the entire financing process, offering assistance and clarifications regarding eligibility criteria, required documentation, and any other queries they might have.
Compliance and Security
HBL, in adherence to regulatory guidelines, ensures that all transactions and processes under the Roshan Apni Car program comply with legal and security standards.
This commitment not only instills trust but also reinforces the reliability and credibility of the program among NRPs.
Contributing to Economic Growth
By encouraging NRPs to invest in the country’s automotive sector, the program supports local businesses and industries, fostering economic development.
Beyond facilitating car ownership, the HBL Roshan Apni Car program contributes significantly to Pakistan’s economic growth.
Strengthening Family Bonds
Owning a car not only offers convenience but also symbolizes the NRPs’ commitment to enhancing the quality of life for their families.
More than just a financial service, the Roshan Apni Car initiative strengthens family bonds by enabling NRPs to provide tangible benefits to their loved ones in Pakistan.
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Conclusion
The Roshan Apni Car program is more than just a financial offering; it’s a bridge connecting NRPs with their roots, allowing them to play a pivotal role in enhancing the well-being and comfort of their families in Pakistan.
The HBL Roshan Apni Car program stands as a testament to HBL’s commitment to catering to the needs of Non-Resident Pakistanis and facilitating their endeavors to support their families in Pakistan. By providing a transparent, accessible, and supportive car financing program, HBL empowers NRPs to make meaningful contributions to their families’ lives back home.
