DIB Roshan Apni Car
What is Roshan Apni Car?
Roshan Apni Car is Pakistan’s first Digital Islamic car financing. Dubai Islamic Bank customers through the use of their Roshan Digital Account -RDA can apply for Islamic car financing for their loved ones in Pakistan completely digitally and Riba Free.
Use Dubai Islamic Bank Roshan Digital Account mobile App or web portal to apply for Islamic car financing and sit in comfort with our fast-track processing time, Privilege Markup Rates, and dedicated delivery time by manufacturers. From well-known brands.
Roshan Apni car – Product Features
- Financing facility for new locally assembled vehicles.
- Tenor option from 1 to 7 years.
- Maximum vehicle is up to 3 vehicles.
- Minimum age limit of the applicant is 21 years
- Preferred pricing and special takaful rates.
- Maximum age limit of the applicant at the time of maturity should not exceed 65 years
- If the applicant has availed other financing facilities, all monthly repayments combined, including proposed rental, should not exceed 50% of net / take home income. ( not applicable on lien based)
- Both data check & e-CIB should be clear and must not have default / overdue at the time of case approval
- Beneficiary is mandatory (blood relative – father / mother, son / daughter, brother / sister or spouse residing in Pakistan) of applicant.
- The facility is available for all Roshan Digital Account holders including foreign currency account holders.
- In case of PKR account – 100% Lien / pledge equivalent to Net Financing Amount (NFA) will be marked on applicant’s Roshan Digital Account or Islamic Naya Pakistan Certificate till the maturity of the Auto Finance facility
- In case of Foreign Currency Account -110% Lien / pledge equivalent to Net Financing Amount (NFA) will be marked on applicant’s Roshan Digital Account or Islamic Naya Pakistan Certificate till the maturity of the Auto Finance
- Monthly Rentals are to be paid through direct debit instructions from PKR Roshan Digital Account
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RDA Apni Car Process Flow