Bank Alfalah

Loan Size:

Minimum PKR 200,000/- and Maximum PKR 7,500,000/-

Financing Tenor:

2 – 7 Years for all vehicles

Privilege Markup Rates (Variable Rate):

Standard Segment: 1 Year KIBOR* + 1.00%
Lien Based Segment: SBP Floor Rate**+ 1.00%

*1 Year KIBOR Rate (Offer Side) on the 1st of the month will be used.
**”SBP Floor Rate” announced by State Bank of Pakistan, prevailing rate at the time of disbursement will be applicable.

Down Payment / Equity Requirement:

Min 15% of Vehicle’s Value Up to Rs.6.0M Financing & Min 20% of Vehicle’s Value for Financing above Rs. 6.0M
0% Equity against Lien Based Financing

Eligibility criteria for Roshan Apni Car

Must be Bank Alfalah Roshan Digital Account Holder.
Local Nominee in Pakistan is mandatory

Salaried:

Minimum Age 21 Years to 65 Years at time of loan maturity
U$D 3,000/- per month or equivalent
Currently employed, with a total employment experience of 06 months.

Basic Documentation:

Customer is required to fill an online Application Form
Copy of CNIC/NICOP/POC/Smart ID Latest Photograph
Copy of Nominee CNIC

Lien Based Financing:

100% lien shall be marked equivalent to finance amount on Roshan Digital Account or Naya Pakistan Certificate till the maturity of loan.
Minimum balance in Roshan Digital Account or investment in Naya Pakistan Certificate should be equivalent to finance amount.

Self Employed Businessmen / Professional:

Minimum Age 21 to 70 years at time of loan maturity
U$D 4,000/- per month or equivalent
Minimum 1 Years in current Business

*Documentation As Per Segment

Lien Based Segment:	Only Basic Documentation
Salaried Individuals:	Salary Slip / Salary Certificate Bureau Report of Country of Residence
Self Employed Individuals / Professionals:	Tax Returns Commercial Registration Certificate (where applicable) 06 months Bank Statement or Income Verification Report Account Maintenance Certificate Bureau Report of Country of Residence
Remittance Based:	Remitter Job / Income Proof Remitter Passport Copy 6 months remittance slips / 6 months Bank Statement of Remittee

*If not provided at the time of Account Opening.

Terms & Conditions Apply

Insurance Rates For Bank Alfalah Roshan Apni Car:

Company Name	Standard Rates		*Rates with Value Added Services
Company Name		Insurance Rate With Tracking Device	Insurance Rate without Tracking Device	Insurance Rate With Tracking Device	Insurance Rate Without Tracking Device
Al Falah Insurance Company Limited	1.40%	1.99%	2.00%	2.50%
Adamjee Insurance	1.50%	1.99%	2.90%	3.50%
EFU General Insurance Ltd.	1.40%	1.99%	1.40%	1.99%
UBL Insurers.	1.40%	1.89%	2.90%	3.50%
Jubilee General Insurance.	2.25%	2.50%	2.25%	2.50%

Values added Services*
AlFalah Insurance Company Limited	Accidental death cover upto Sum Insured of the Vehicle or of PKR 2.5 million whichever is less.
Adamjee Insurance	Accidental death cover upto Sum Insured of the Vehicle or of PKR 2.5 million whichever is less. Health Insurance plan of 20% of Vehicle's Sum Insured or PKR 500,000 whichever is less. (Applicable for Age limit not more than 60 years) Online Unlimited Medical Consultancy. Travel Insurance Plan upto USD 50,000 (Only applicable for Vehicle with sum insured above PKR. 2 Million).
EFU General Insurance Ltd.	Accidental death covers of PKR 2.5 million.
UBL Insurers.	Accidental death covers of PKR 2.5 million.
Jubilee General Insurance.	Payment of full outstanding auto finance in case of RDA holder's death. Free Medical Cover upto 1m, in case of Hospitalization of RDA holder for 30 days.
* Value added services shall be only applicable for the 'Value Added Rates.' * Value added Services shall only be applicable for Local Beneficiary / Co-Borrower. *Terms and conditions apply.

Manufacturers Contact Details

Manufacturer	Address	Contact Number
Pak Suzuki Motor Company Limited	DSU-13, Pakistan Steel Industrial Estate, Bin Qasim, Karachi	+92-21-111789854
Indus Motor Company Limited	Plot No. N.W.Z/P-1, Port Qasim Authority, Karachi, Pakistan.	92-21-34721100, -111869611
Honda Atlas Cars Pakistan Limited	Asia House, 19 – C & D, Block L, Gulberg III, Main Ferozepur Road, Lahore	+92-42-35384671-80,+92-304-1118882
Al-Haj FAW Motors	Main National Highway, Zulfiqarabad Karachi, Pakistan.	+92-21-111092111, +92-21-32573251-3
Lucky Motor Corporation Limited	8th Floor, Al Tijarah Center, 32-1A, Block No.6, PECHS, Main Shahrah –e-Faisal, Karachi	+92-21-35863216
Regal Automobile Industries Ltd.	Office# 1502, 15th Floor, Emerald Tower, Near Do Talwar Clifton, Block-V, Karachi, Pakistan.	+92-21-35863216
Ghandhara Industries Limited	F-3, Hub Chauki Road, S.I.T.E., Karachi	+92-111445111, 32560083-6, 32588708, Fax: 021-32560090, 32564458
Master Motor Corporation Limited (MMCL)	Plot No. D-58 & D-59, N.W.I. Zone, Port Qasim, Karachi	+92-21-34720101-6
Hyundai Nishat Motor (Private) Limited	1-B Aziz Avenue, Canal Road, Gulberg V, Lahore	+92-42-111111466
United Motors (Pvt.) Ltd.	75-E Maulana Shaukat Ali Road, Block E Phase 1 Johar Town, Lahore, Punjab	+92-300-4017980, +92-42-35201881-3, UAN: +92-42-111786221
MG JW Automobile Pakistan (Pvt) Limited	78-D/1, 8th Floor Aashiyana Shopping Centre, Main Boulevard, Gulberg Town, Lahore -836	+92-42-111-111-664
Al Haj Automotive	Sector 1-C Sector 1 C Mujahidabad, Karachi, Karachi City, Sindh 75800	+92-21-111776866

Manufacturer	Priority Delivery by Manufacturer
Honda Atlas	Priority delivery up to half of the actual tentative time of delivery as per Provisional Booking Order Form
KIA	Priority delivery up to half of the actual tentative time of delivery as per Provisional Booking Order Form
Indus Motors	Priority Delivery: Booking Month + 2 Months
Pak Suzuki	Priority delivery up to half of the actual tentative time of delivery as per Provisional Booking Order Form
Hyundai	Priority Delivery: Booking Month + 3 Months

The above mentioned delivery timelines are tentative and subject to change by the manufacturer.

Roshan Apni Car Calculator