×

Lien Based:

MCB Roshan Digital Accountholders who have invested in Naya Pakistan Certificates or have maintained deposit in their Roshan Digital Accounts.

Non-Lien Based:

  • MCB Roshan Digital Accountholders who are Salaried or Self-Employed Businessman and/or making regular remittances from abroad.
    • Minimum age requirement is 22 years and maximum age requirement is 60 years at loan maturity
    • Minimum 15% equity is required
  • Minimum net monthly Income of:
    • Employed / Working in Gulf Countries: Equivalent to DHS 6,500/-
    • Employed / Working in Non Gulf Countries: Equivalent to USD 2,500/-

Lien Based:

You are our existing MCB Roshan Digital Accountholder, there is no additional documentation required from you.

Non-lien based:

6 Months Bank Statement
Evidence of income as per indicative list of documents*. Click here to view.
*not required if applied within 6 months of RDA opening.

General:

  • Option to finance all types of private vehicles new local assembled as well as used cars.
  • Nominee required in Pakistan which may include spouse or close blood relatives i.e., siblings, parents and children.
  • Monthly installments to be paid from Roshan Digital Account.

Lien Based:

  • Loan amount to the extent of vehicle price or maximum up to 100% of Naya Pakistan Certificate or Roshan Digital Account balance (Equivalent value in PKR in case of foreign currency Naya Pakistan Certificates) whichever is lower.
  • Lien against Naya Pakistan Certificate or Roshan Digital Account balance.
  • Loan up to 7 years or maturity of Naya Pakistan Certificate whichever is lower.
  • Option to finance up to 3 vehicles.

Non-Lien Based:

  • Loan amount will be up to 10 Million
  • Loan up to 7 years
  • Option to finance up to 2 vehicles

Lien/Non-lien based:

  • Extremely low markup rates.Click here to view
  • Special insurance rates with value added services.Click here to view
  • Priority car delivery.(Click here to view)
  • Tailored car financing solution.Click here to view
  • Quick processing with visibility at each step.

Lien Based-Loan Approval Relaxation:

  • No limit on age requirement.
  • No income proof required.
  • No down payment required.
  • No credit history required.

Disclaimer: Pertaining to the current uncertain, unstable market conditions and current production issues. The delivery of vehicles are delayed, any price increase at the time of delivery will be applicable

Feature Rate
Insurance Rate Please Click here to view
Feature Markup basis Variant Rate
Markup Rate Floating Lien Based SBP Floor*+1%
Non-lien Based 1 Year KIBOR**+1%
*SBP Overnight Repo (Floor) Rate: Please click here to view the latest.
**Karachi Inter-bank offer rate. Please click here to view the latest.
***PKRV Implies the relevant tenor PKRV revaluation rate as per the average of the previous calendar month. Please click here to view.

Frequently Asked Questions (FAQs)

For lien based, MCB Roshan Digital Accountholders who have invested in Naya Pakistan Certificates or have maintained deposit in their Roshan Digital Accounts and are willing to provide lien on their deposit to the extent of loan amount. For non-lien based, MCB RDA holders who are salaried or SEP/SEB and/or making regular remittances from abroad may apply for this facility in Pakistan.

For lien based, there is no down payment or contribution requirement. For non-lien based, minimum 15% down payment/contribution is required.

For lien based, there is no additional documentation required from you. For non-lien based, you would be required to provide 6 months bank statement and proof of income as per list of indicative documents. Please Click here to view.

New, used as well as imported cars can be financed. Used/imported cars should not be older than 6 years.

For lien based, there is no capping on maximum loan amount. However, Loan amount may be up to the extent of vehicle price or maximum up to 100% of Naya Pakistan Certificate or Roshan Digital Account balance (Equivalent value in PKR in case of foreign currency Naya Pakistan Certificates) whichever is lower. For non-lien based, Loan amount to PKR 10 Million can be availed.

For lien based, no income proof of Roshan Digital accountholder is required. However, for non-lien based, proof of income as per list of indicative documents is required. Please Click here to view

Yes, the deposit/investment will be lien marked against the loan amount availed.

For lien based, there is no minimum/maximum age requirement. For non-lien based, minimum age requirement is 22 years whereby, maximum age requirement is 60 years at loan maturity.

The applicant would be free to choose a nominee in Pakistan who may be his/her spouse or any of the close blood relatives i.e., parents, siblings and children.

There is no such requirement.

The applicable markup and insurance rate are as following:

Feature Markup basis Variant Rate
Markup Rate Floating Lien Based SBP Floor*+1%
Non-lien Based 1 Year KIBOR**+1%
Fixed Please Click here to view
*SBP Overnight Repo (Floor) Rate: Please click here to view the latest.
**Karachi Inter-bank offer rate. Please click here to view the latest.
***PKRV Implies the relevant tenor PKRV revaluation rate as per the average of the previous calendar month. Please click here to view.

Applicants can apply for the loan by following this link Click Here

Navigate Seamlessly Using
These Quick Shortcuts

Easily access quick links to important web pages from here.