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Very well explained and loved the relative comparison. Definitely was waiting for your take on this scheme.

@WaliKhan_2k

2 жыл бұрын

Thanks for the comments :)

Lucky to find you today and has already watched 5 of your videos in a row and really appreciate explaining and helping in a very easy way 👍

@WaliKhan_2k

2 жыл бұрын

Great to hear :) Thanks for the comment :)

Very well explained. Thanks

Jazak Allah... Brother.. From Malaysia

@WaliKhan_2k

2 жыл бұрын

Thanks for the comment :-)

Thanks for another great informative video, please keep it up.

@WaliKhan_2k

2 жыл бұрын

thanks for kind words :-)

Thank you so much for this information.

@WaliKhan_2k

2 жыл бұрын

Thanks for your comment :)

Thank you brother, it's well explained

@WaliKhan_2k

2 жыл бұрын

Thanks for your comment :)

I have a Meezan Roshan digital account Allhumdulilah 👍

@WaliKhan_2k

2 жыл бұрын

Nice to hear :-)

Very well explaining and ur voice and style

@WaliKhan_2k

2 жыл бұрын

Thanks a lot :-)

Verry informative as always...

@WaliKhan_2k

2 жыл бұрын

Glad you like it :-)

Thanks brother 👍

@WaliKhan_2k

2 жыл бұрын

Thanks for the comment :)

Very good explanation....

@WaliKhan_2k

2 жыл бұрын

Glad you liked it :)

Nice info bro

Great work, I’m in UAE as well and confused whether to mortgage here in Dubai or in Pakistan. Nicely explained. Keep it up.

@WaliKhan_2k

2 жыл бұрын

Thanks for your comment :)

Well done Wali

@WaliKhan_2k

2 жыл бұрын

Thanks a lot. :)

Very informative brother ..

@WaliKhan_2k

2 жыл бұрын

Thanks for your comment :-)

Please explain if it is possible to have more than one loan agreement at the same time with different rda thanks or is it only possible to have one application. This will help in deciding whether to go for a medium-size or full-scale large house.

@WaliKhan_2k

2 жыл бұрын

I am not entirely sure of this - Need to check and get back to you.

Gud boss

Good work

@WaliKhan_2k

2 жыл бұрын

Thank you! Cheers! :)

Pls Aap ye bta skty hen k mgy 18 lac k opr ktna interest rate pay krny phry ga 10 Year tenure

Down payment advance ma hmy bank ko danay phry ge ya jo down payment ha wo loan se cut ho gi

Bhai. I don't think the instalments will be same all these years (5 to 10 years). Loan conditions renews every fiscal year with probably an increase in the interest rates. That will cover for the Rupees depreciation. Interest rates are the same on loans, probably better in US, UK and EU.

Good information sir 👍👍

@WaliKhan_2k

2 жыл бұрын

So nice of you :)

@Faisalbhai706

2 жыл бұрын

Sar aap MCB loan apply karne ki video thrikka bata sakte hain video mein

Any idea how long bank will take to disburse the loan. I applied from MCB in November, its been more than two months now and despite submitting all the required documentations, yet to hear back from bank.

@WaliKhan_2k

2 жыл бұрын

If you feel they are taking more time - approach the SBP helplines, they will expedite for sure.

old havelies kafi sasti mil jati hain pakistan main aur rental ya godam/store kay liay rent par di jati hain at good returns, ab wo approved to hain he nahe kyon kay wo kafi purani hain. Dosra Europe kay job contract, payslips, bank statements ka koi faida mil sakta ha kya ? Ab co-sponsor wala aik alag case ha jo looks like impossible.

@WaliKhan_2k

2 жыл бұрын

Thanks for the comments :) this can only be confirmed by the RM of your bank as this is the decision of govt / bank. Cosponsorship is really a setback which I am sure the government has good reason to set as a condition. Yes, the payslips and contract will help - but as much as any other country (nothing out of ordinary)

Overseas ke lye Roshan Program he kya begair Soud ke

Sir me salaried person nai ho self employed ho tu muje kitne sal ka tax show krna hoga k muje loan mil jae q k mene issi sal NTN nmbr banaya he is sal July me me 1st time tax pay krnga tu jinka apna business he wo kitne sal ka tax pater hona lazmi he

Great channel. Thank you for such valuable information. One question regarding Roshan Apni Car finance. Which bank is best for car finance? Also Islamic vs conventional which one is cheaper and hassle-free?

@WaliKhan_2k

2 жыл бұрын

I don't have the direct interaction with banks for the car financing so cannot be 100% sure, but based on past experience with HBL and Meezan - I would say they should provide good service. As far as Islamic or conventional is concern for cheaper option - I have seen its the conventional which provides better rates, but it will depend on scenario so can't be 100% on that too.

Both accounts kSe link krte ha usa currency account or local currency accounts, roshan digital account ka

@WaliKhan_2k

2 жыл бұрын

if you open the account in HBL or Meezan bank (That I know) - they will let you link both the accounts in the app. You will see both the accounts when you login to your app.

Bhai agar apna gar lena hai tu bank se gar lena parega ya phir wo pese dake me jidhar me gar bnao meri marzi

Sir RDA ACCOUNT KITNA OLD HONA CHAHYE LOAN APPLY KARNE K LIYE.??and Co applicant agar meri tarha uae m hun tu acceptable hoga?

@WaliKhan_2k

2 жыл бұрын

RDA can be new as well - but co applicant should be in Pakistan.

@adnanmalik8773

2 жыл бұрын

@@WaliKhan_2k Thankyou for your quick reply

@adnangolrahofficial7534

2 жыл бұрын

Sir ye nicop kha se bne ga kse hasil kr skty hn

Kon se Bank detee hain

Nice one. feedback: It would have been perfect if you showed how you did all these calculations.

@WaliKhan_2k

Жыл бұрын

I have done a recent video - let me know if that helps: kzread.info/dash/bejne/iYGntc58oqespbA.html

Plz reply Kia ye gar hume bank se lena hoga kia hum apni marzi ka gar nhi khated sakte

@WaliKhan_2k

2 жыл бұрын

bank will buy the property which is approved - they will not give cash to you.

Assalmualikum Karachi mein kon say plots or apartments par loan milaye ga ye batho jis ko bank nay approved keya howa hai , ap jab bank say malom kerho to toh woh boltaye hai yea lease nahi hai bahi jan ager kohi society lease hai ous ka bolo

@WaliKhan_2k

2 жыл бұрын

Only the matured areas are possible to be bank mortgaged.

Sir what if i get a mortgage for 20 years against 1.5 crore on a non lein base then put the house on rent for few years and then sell out once get big profit in house value? Can we do that or better to take for 10 years instead for the same purpose.

@WaliKhan_2k

2 жыл бұрын

It depends on your goals - normally people tend to have longer mortgages. If you ask me, I will try to pay off if that was my own house. For investment purpose you can take longer period of loan - but again, it will depend.

I live in Canada and have mortgage from bank for last few years but Pakistani mortgage seems confusing....

Pls kindly explain about credit beuro

@WaliKhan_2k

2 жыл бұрын

I will try to make a video on this soon :-)

Is Bahria Enclave Islamabad property is eligible for this loan or not?

@WaliKhan_2k

2 жыл бұрын

I cannot be 100% sure about that - you can check with your RM of the bank.

Takreeban double ka ghar phir bhi parta hai, 37 to 54% interest hai. Better to buy lien based or with cash

What's the guarantee that new government will not close this scheme? As that used to happen in pakistan that new government reject or discard all scheme of previous government. Please advise.

@WaliKhan_2k

Жыл бұрын

RDA is good for any government - no one will think about closing it.

Sir pchle 10 sal se mein oman mn job krta hu abi mn pakistan mn ghr lena chahta hu to kya mn aply kr skta hu r kya kya requiremnt hn is k lye vse mra account ubl mn hy pr roshan disgital acount ni hy plz mje guide kre k mje ksw aply krna hoga roshan apna ghr k lye

@WaliKhan_2k

2 жыл бұрын

If you are resident Pakistani - then why don't you try Mera Pakistan, Mera Ghar scheme.

Asslamualikum Sir

Can we get cash if we apply on nonlien base Or they will not give us cash

@WaliKhan_2k

Жыл бұрын

They will not reimburse cash - and it does not make sense either.

Dear Wali thanks for useful information regarding this scheme! I have 2 questions. 1: Does it works with NRP account? Or t RDA is mandatory ? 2: If someone has already personal loan in UAE, US or UK! Will this effect the process/Approval? Because as per the particular bank website DBR should not be more than 50%.

@WaliKhan_2k

2 жыл бұрын

1 - RDA is mandatory and many benefits going through RDA. 2 - I am not 100% sure as that will depend on the vetting process. You need to reach out to your RM for this.

Can we give the house on rent? And pay the monthly mortgage payment via rent?

@WaliKhan_2k

2 жыл бұрын

Yes, with Roshan Apna Ghar, there is no issue.

@DrMajidKhan1

2 жыл бұрын

@@WaliKhan_2k Thanks. Then it's best way of Investment if someone has 15% downpayment investment money and give mortgages monthly payments via rent. And after few years he will earn the home.

in simple if u take 1 crore for 10 years you have to pay back 1 crore 50 lakh. Really not appropriate for salary based people.

@WaliKhan_2k

2 жыл бұрын

it depends on how you look and how you invest. There are properties in last 10 years which increased from 1 caror to 4 caror. So if you pay extra 50 lac over 10 years, it makes a lot of sense. But again, all calculations need to be made before taking this decision.

Sir 12 month ka 600000 ka Kitna ho ga Our 20 fesad pement karo do to

please share new video on Roshan Apna Ghar with bank updates

1 cror ka 10% to 10 Lakh bnta hai then ye 1 cror pe 149 Lakh kis calculation se bna.. Plz clear my confusion

Most UK born Pakistani's under 65 won't have blood relatives in Pakistan. This element will need to be reconsidered to get uptake of the scheme.

Kia woh ghar sale kar sakte hain ?

@WaliKhan_2k

2 жыл бұрын

Wasalam - yes you can sell the house and settle dues as well.

All calculation s are available on meezan

@WaliKhan_2k

2 жыл бұрын

Yes, in fact all banks have the calculators available.

Sir. Yah batao. Ham India mein. Big ticket. Lottery jitne ke bad. Hamen Paisa India mein kaise milega. Sir. Srr aap video banakar jawab dena

Sir is there possibilty to DM you..?

@WaliKhan_2k

2 жыл бұрын

You can email me. financewithwali@gmail.com

As explained that profit rate on roshan apna ghar loan is about under 6%,. so after receiving loan is it necessary to transfer/pay that amount back to Pakistan. i mean if i get loan and keep it in my RDA or invest in naya pakistan certificate which gives about 9-10% profit. 😁

@WaliKhan_2k

2 жыл бұрын

:) Do you think its so easy as you just mentioned?

RDA apni car Ur RDA apna Ghar dono ly sakty hye

@WaliKhan_2k

2 жыл бұрын

yes, you can.

Plz instalment b btaya 10 million pay 10 years k lya ly gy tu monthly jo pay krna hoga 🙏

@WaliKhan_2k

2 жыл бұрын

try calculating on this calculator, let me know if you understand the structure of loan: www.bankalfalah.com/personal-banking/loans/rda-roshan-apna-ghar-calculator

Just got approved for 1crore45 lacks from meezan on a conditional offer, honestly it has been one long arse process and I'm still not sure what i will pay monthly. Will ask the bank again

@WaliKhan_2k

2 жыл бұрын

Will be interesting to see the final calculations - what is the profit rate they are charging and the tenure?

Is this available from US?

@WaliKhan_2k

2 жыл бұрын

yes available.

Kindly try to wrap up your videos in 10 to 12 mins to increase user engagement

@WaliKhan_2k

2 жыл бұрын

This is not true for all kind of videos. In fact this video is breaking all records of watch time in first 1 hour of publishing :-)

@uk5592

2 жыл бұрын

True Sir but don't make it more than 10 mins people loose interest

Bate croro ki dukan pakoro ki Unke leye b koi video banaye Jin ki salary Kam hai 2k aed ho jinki

@WaliKhan_2k

2 жыл бұрын

Dear, for 2K AED salary, you need to understand how savings and investment works which is very important. But, it is much more important to earn more as I mention this in numerous videos that going above and beyond certain income threshold is mandatory - or else you will never rise up in economic ladder.

@malikisrar2680

2 жыл бұрын

@@WaliKhan_2k isi leye Apke channel ko subscribe kia hai sir savings ko kese investment kare aur Kaha Kaha kar sakty hai paise pare pare din ba din devalue ho Rahe hai

Apny ye Bata ker k is scheme k zariay Bahriya Town mein purchase nhi ker sakty Mera kafi time bacha liya.

@WaliKhan_2k

2 жыл бұрын

Good to hear :)

Bank is saying that I cannot make my Sister as co-applicant but brother and mom and dad can become co-applicant

@WaliKhan_2k

2 жыл бұрын

Thanks for the comment. Thats actually bad. I think SBP should revise if this is an stated policy. There has been a general discrimination against women by the banking sector in Pakistan which should end.

@ministryofcoders1356

2 жыл бұрын

@@WaliKhan_2k yes I guess it not discrimination against women else we wouldnt be able to make wife and mother as co-applicant, for sister then told that after getting married a woman would become a part of someone else family so it caused issues in inheritance and future loans as well

@WaliKhan_2k

2 жыл бұрын

@@ministryofcoders1356 not specifically talking about this case - but there are many cases like even for opening bank account a woman needs to have guardianship even though she is working on her own business. Have came across lot of such stories.

@ministryofcoders1356

2 жыл бұрын

@@WaliKhan_2k hmm thats odd i am pretty positive for working women its easy to open account they need proper documents same as of any men, but yeah someone who is working from home and with no NTN then its hard for anyone to get a current account bt even they can always open saving account which should be open within same day as per state bank policy.

Poc is for who don't have Pakistani Passport. Nicop is for Pakistani Passport holders

Is there anything without interest 🤔 😕

@fadyNUFC

Жыл бұрын

No .. how would the banks money without charging anything in return

This Scheme is not present now in its original form, Recent Government did some changes and i tried to get this loan and it was approved as well but the amount of interest was very huge, almost three times the value of loan. If anybody need details i can share.

Less than 6% pe nahi milraha bhai jaan, simple mathematics karke around 50% ka parta hai

@WaliKhan_2k

2 жыл бұрын

You can send me the offered plan on email. I will explain.

Yah batai, Deposit Kasay karay ? Pasay Account may ? Yahni Agar Roshan Digital Account khool Liya, Meezan bank May ? Tu Ham is may Dollars Kasay Deposit Kasay gay, USA may ? Waha tu Meezan bank ki koi Branch hi nahi hai, nearest?

@WaliKhan_2k

2 жыл бұрын

Bank transfer - same as you do in existing Pakistani bank accounts.

@yam31

2 жыл бұрын

@@WaliKhan_2k Pakistani Bank may tu ham Directly Physical Money Deposit kerwa daytay hai, Roshan Digital Account May Physical Deposit kasay karay , Yaha Houston Texas, may tu koi Branch hi nahi hai, Meezan bank ki ?

@yam31

2 жыл бұрын

@@WaliKhan_2k App i think Yah kha rahay hai, kay Phalay Kisi US bank may Account open karay phir US Bank ki Online Account say, Roshan Digital Account May Money, Transfer karay, ????? Sir, App Yah kha rahay hai ?

I took 1.38 crore from HBL and I have to pay 2.40 crore in 10 years that's 42% more than the actual amount.... I am buying a house in Multan

@WaliKhan_2k

2 жыл бұрын

Your calculations seem good.

@umerfarooq-ux3sp

2 жыл бұрын

@@WaliKhan_2k but I checked with the bank and they said it was a mistake at our end and now they are correcting it. It should be 2.20 crore in total after 10 years

@letizia784

2 жыл бұрын

@@umerfarooq-ux3sp what guarantees did you give to the bank for credit?

@umerfarooq-ux3sp

2 жыл бұрын

@@letizia784 nothing, they never asked for it

@ummerayan5971

Жыл бұрын

​@@umerfarooq-ux3sp hello brother how is your experience going so far for buying the house through this scheme? And can we choose the house design and place by ourselves.. is it really worth 1.38 crore ? Does the price increase in one year? Would really appreciate it if you could answer me this

بھائی میں دبئی میں کام کرتا ہوں میرا روشن ڈیجیٹل اکاؤنٹ بھی ہے میں اپنے لئے گھر بنانا چاہتا ہوں پلاٹ ہے بابا کا نام پے زمین ہے اور اگر میں اپنے نام پر لون لینا چاہو میں کیسا لے سکتا ہوں بابا نے بولا 10 مرلے کا گھر بنا لو میں کیسے بینک سے لون لے سکتا ہوں

THERE IS NO CLEAR CUT GUIDANCE FROM STATE BANK FOR 65+ AGE RDA ACCOUNT HOLDER TO SELF INVEST ( WITOUT MORTGAGE) BUY PLOT AND THEN BUILD IT FOR EXAMPLE IN BAHRIA TOWN KARACHI. IF YOU HAVE

@shahkar4u

2 жыл бұрын

Basically the 65+ self investor, to be able to invest and Be able to REPATRIATE sale proceeds or rental income. BANKS DO NOT HAVE CLEAR GUIDANCE HOW TO REGISTER SUCH PROPERTY CONSTRUCTION CONTRACT.

@WaliKhan_2k

2 жыл бұрын

@@shahkar4u The things you have mentioned need more time to get clarified i believe.

Broo useless information! ! Calculations tho koi nhi hein rates etc

I watched your videos but disappointed with this totally wrong calculation and advice and very complicated explanation like you explain for 1.2cr property 20lakh deposit 1cr loan Interest 50 interest So 50% interest of loan amount in 10 years totally rubbish I don’t know about UAE but in Uk you can get mortgages for £100k of 20 years and only pay 15k interest in total fir 20 years which is 15% and if you go for 10 years mortgage the rate go down further may be 12k if not 10k

@WaliKhan_2k

Жыл бұрын

Uk has mortgage rates in the range of 5% per year. In Pakistan, the mortgage rates are hovering at 18% per year.

@FarhanAli-fh1uc

Жыл бұрын

@@WaliKhan_2k you posted your video 1 year ago at that time not Uk has 5% rate not pakistan has 18% rate ? Even I m wrong on this How would you justify 50% interest of total loan amount in just 10 years period that’s insane I advice you Simply check online even today you get loan much cheaper maximum 25% of total loan value and that’s for 20 to 25 years so much easier to repay if you go for 10 years that’s much better may be 15% to 20 % of total loan

@WaliKhan_2k

Жыл бұрын

@@FarhanAli-fh1uc mortgage rates in Pakistan never went below 15% in last 10 years. Only possibility was to have mera Pakistan mera ghar which got suspended by the new government.

@WaliKhan_2k

Жыл бұрын

@@FarhanAli-fh1uc you might get the realization why people don’t mortgage in Pakistan :-)

@FarhanAli-fh1uc

Жыл бұрын

@@WaliKhan_2k well I am still not satisfied why 50% interest of total loan value is good deal in your opinion specially when you gave other countries example as I told you I don’t know about UAE but in Europe and USA you get much much better deal even today and even for longer term