{"id":6383,"date":"2021-04-23T06:09:37","date_gmt":"2021-04-23T06:09:37","guid":{"rendered":"https:\/\/www.dibpak.com\/?page_id=6383"},"modified":"2022-01-03T12:23:35","modified_gmt":"2022-01-03T12:23:35","slug":"roshan-apni-car","status":"publish","type":"page","link":"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/roshan-apni-car\/","title":{"rendered":"RDA Auto Finance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_raw_html]JTNDJTJGYnIlM0UlM0NhJTIwY2xhc3MlM0QlMjJsb2dpbnNpZ251cCUyMiUyMCUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRmRpYnJvc2hhbi5kaWJwYWsuY29tJTJGJTIyJTNFJTIwTG9naW4lMjAlMkYlMjBTaWduJTIwVXAlMjAlMjAlM0MlMkZhJTNFJTBB[\/vc_raw_html][vc_column_text]<\/p>\n<h1 id=\"product_features\">DIB Roshan Apni Car<\/h1>\n<h2>What is Roshan Apni Car?<\/h2>\n<p>Roshan Apni Car is Pakistan\u2019s 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.<\/p>\n<p>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.<\/p>\n<h2>Roshan Apni car \u2013 Product Features<\/h2>\n<ul>\n<li>Financing facility for new locally assembled vehicles.<\/li>\n<li>Tenor option from 1 to 7 years.<\/li>\n<li>Maximum vehicle is up to 3 vehicles.\n<ul>\n<li>Minimum age limit of the applicant is 21 years<\/li>\n<li>Preferred pricing and special takaful rates.<\/li>\n<li>Maximum age limit of the applicant at the time of maturity should not exceed 65 years<\/li>\n<li>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)<\/li>\n<li>Both data check &amp; e-CIB should be clear and must not have default \/ overdue at the time of case approval<\/li>\n<li id=\"applynow\">Beneficiary is mandatory (blood relative \u2013 father \/ mother, son \/ daughter, brother \/ sister or spouse residing in Pakistan) of applicant.<\/li>\n<li>The facility is available for all Roshan Digital Account holders including foreign currency account holders.<\/li>\n<li>In case of PKR account \u2013 100% Lien \/ pledge equivalent to Net Financing Amount (NFA) will be marked on applicant\u2019s Roshan Digital Account or Islamic Naya Pakistan Certificate till the maturity of the Auto Finance facility<\/li>\n<li>In case of Foreign Currency Account -110% Lien \/ pledge equivalent to Net Financing Amount (NFA) will be marked on applicant\u2019s Roshan Digital Account or Islamic Naya Pakistan Certificate till the maturity of the Auto Finance<\/li>\n<li>Monthly Rentals are to be paid through direct debit instructions from PKR Roshan Digital Account<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2 id=\"documents\">Apply now<\/h2>\n<p><small>By clicking submit your lead will be generated and you will be contacted by our team to assist you Dubai Islamic bank Roshan digital account.<\/small><br \/>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f6632-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php\/wp-json\/wp\/v2\/pages\/6383#wpcf7-f6632-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"6632\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.9.8\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f6632-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required w-100\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Please enter your name*\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"cellno\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number w-100\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Please enter your phone number*\" value=\"\" type=\"number\" name=\"cellno\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"informtion-about\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required w-100\" aria-required=\"true\" aria-invalid=\"false\" name=\"informtion-about\"><option value=\"Roshan Apni Car\">Roshan Apni Car<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text w-100\" aria-invalid=\"false\" placeholder=\"Please enter your City\" value=\"\" type=\"text\" name=\"city\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"cnic\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-number w-100\" aria-invalid=\"false\" placeholder=\"Please enter your CNIC\" value=\"\" type=\"number\" name=\"cnic\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email w-100\" aria-invalid=\"false\" placeholder=\"Please enter your email\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"md-form mb-2\">\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn RAC\" type=\"submit\" value=\"submit\" \/>\n\t<\/p>\n\t<style>\n.RAC{\n color: #fff !important;\n padding: 10px 15px;\n display: inline-block;\n background: #9c1e30 !important;\n border-radius: 68px;\n}\n\t<\/style>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<h2>Documents Required<\/h2>\n<p><strong>(<span style=\"font-weight: normal !msorm;\">Lien Based\/ Salaried \/ Self-Employed \/ Professional<\/span> \/ Remittance Based<span style=\"font-weight: normal !msorm;\">)<\/span><\/strong><\/p>\n<h2><span style=\"font-weight: normal !msorm;\">L<\/span><span style=\"font-weight: normal !msorm;\">ien Based:<\/span><\/h2>\n<ul>\n<li>Roshan Digital Account holder details.<\/li>\n<li>Request for Financing (Make\/Model of vehicle, amount of finance, Tenure &amp; Color.<\/li>\n<li>Beneficiary details (Name, CNIC, Relationship, Address &amp; Contact Number)<\/li>\n<li>Customer undertaking to mark lien on collateral.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: normal !msorm;\">Salaried<\/span>:<\/h2>\n<ul>\n<li>Roshan Digital Account holder details.<\/li>\n<li>Salary Slip (If not provided at the time of RDA opening)<\/li>\n<li>Request for Financing (Make\/Model of vehicle, amount of finance, Tenure &amp; Color.<\/li>\n<li>Beneficiary details (Name, CNIC, Relationship, Address &amp; Contact Number)<\/li>\n<\/ul>\n<h2><span style=\"font-weight: normal !msorm;\">Self-Employed \/ Professional<\/span>:<\/h2>\n<ul>\n<li>Roshan Digital Account holder details.<\/li>\n<li>Tax return.<\/li>\n<li>Request for Financing (Make\/Model of vehicle, amount of finance, Tenure &amp; Color.<\/li>\n<li>Beneficiary details (Name, CNIC, Relationship, Address &amp; Contact Number)<\/li>\n<li id=\"profit\">Latest 6 month bank statement.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: normal !msorm;\">Remittance Based:<\/span><\/h2>\n<ul>\n<li>Roshan Digital Account holder details.<\/li>\n<li>Request for Financing (Make\/Model of vehicle, amount of finance, Tenure &amp; Color.<\/li>\n<li>Beneficiary details (Name, CNIC, Relationship, Address &amp; Contact Number)<\/li>\n<li>Remittances through Roshan Digital Account -RDA or any other account (Proof Required<\/li>\n<\/ul>\n<h2 id=\"takaful\">\u00a0Profit Rates<\/h2>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\" width=\"623\"><span style=\"color: #000000;\"><strong>Variable Profit Rates<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"90\">For Lien Based<\/td>\n<td width=\"534\">*SBP Floor + 1.0% (*Currently SBP floor is 7.7%)<\/td>\n<\/tr>\n<tr>\n<td width=\"90\">For Non Lien Based<\/td>\n<td width=\"534\">1 Year KIBOR + 1.0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"color: #999999;\">*Above mentioned profit rates are without Takaful and Tracker<\/span><\/p>\n<p><span style=\"font-weight: normal !msorm;\"><strong>\u00a0<\/strong><\/span><\/p>\n<h2>Takaful Rates<\/h2>\n<table>\n<tbody>\n<tr>\n<td width=\"72\"><\/td>\n<td width=\"119\"><span style=\"color: #000000;\"><strong>With Tracker<\/strong><\/span><\/td>\n<td width=\"324\"><span style=\"color: #000000;\"><strong>Value Added Services<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"72\"><span style=\"color: #000000;\"><strong>EFU<\/strong><\/span><\/td>\n<td width=\"119\">1.75%<\/td>\n<td width=\"324\">Accidental death Coverage up to PKR 2.5 million<\/td>\n<\/tr>\n<tr>\n<td width=\"72\"><span style=\"color: #000000;\"><strong>Adamjee<\/strong><\/span><\/td>\n<td width=\"119\">1.40%<\/td>\n<td width=\"324\">&#8211; Accidental death Coverage up to PKR 2.5 million &#8211; Health insurance plan up to 20.00% of vehicle or PKR 500,000 whichever is less &#8211; Online Medical consultancy &#8211; Travel Takaful Plan up to USD 50,000<\/td>\n<\/tr>\n<tr>\n<td width=\"72\"><span style=\"color: #000000;\"><strong>Jublee Takaful<\/strong><\/span><\/td>\n<td width=\"119\">1.75%<\/td>\n<td width=\"324\"><\/td>\n<\/tr>\n<tr>\n<td width=\"72\"><strong><span style=\"color: #000000;\">Salam Takaful<\/span><\/strong><\/td>\n<td width=\"119\">1.40%<\/td>\n<td width=\"324\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u00a0<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<a href=\"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6611 size-full\" src=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/06\/Roshan-Digital-Account-Logo.png\" alt=\"\" width=\"256\" height=\"197\"><\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<a href=\"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/roshan-samaji-khidmat\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-6431\" src=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/04\/Roshan-Samaji-Khidmat-Final-Logo-2-300x226.png\" alt=\"\" width=\"300\" height=\"226\" srcset=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/04\/Roshan-Samaji-Khidmat-Final-Logo-2-300x226.png 300w, https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/04\/Roshan-Samaji-Khidmat-Final-Logo-2.png 404w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<p id=\"processflow\" style=\"text-align: center;\"><a href=\"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/equity-investment\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6730 size-full\" src=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/08\/RDA-E-investment.png\" alt=\"\" width=\"300\" height=\"187\"><\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<a href=\"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/roshan-apna-ghar\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6744 size-full\" src=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/08\/Roshan-Apna-Ghar.png\" alt=\"\" width=\"300\" height=\"187\"><\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2>RDA Apni Car Process Flow<\/h2>\n<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/06\/RDA-Auto-finance-Pricing-for-Banks.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\">RDA Auto finance Pricing for Banks<\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t<br \/>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\">Process-Flow<\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t<br \/>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\">RAC-Delivery-Timelines<\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n<p>&nbsp;[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_raw_html]JTNDJTJGYnIlM0UlM0NhJTIwY2xhc3MlM0QlMjJsb2dpbnNpZ251cCUyMiUyMCUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRmRpYnJvc2hhbi5kaWJwYWsuY29tJTJGJTIyJTNFJTIwTG9naW4lMjAlMkYlMjBTaWduJTIwVXAlMjAlMjAlM0MlMkZhJTNFJTBB[\/vc_raw_html][vc_column_text] DIB Roshan Apni Car What is Roshan Apni Car? Roshan Apni Car is Pakistan\u2019s 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 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.dibpak.com\/index.php\/roshan-digital-account\/roshan-apni-car\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;RDA Auto Finance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":6375,"parent":6179,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6383"}],"collection":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/comments?post=6383"}],"version-history":[{"count":31,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6383\/revisions"}],"predecessor-version":[{"id":7168,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6383\/revisions\/7168"}],"up":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6179"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/media\/6375"}],"wp:attachment":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/media?parent=6383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}