Estimate your monthly instalment, total interest and total cost of a home loan in Pakistan. Pick a financing option to pre-fill a current indicative rate, or enter your own.
Most home financing in Pakistan is KIBOR-linked— a floating benchmark plus the bank’s spread — so your instalment moves with the market. As of September 2026, 1-year KIBOR is about 12.1% (SBP policy rate 11.5%), and a typical bank home-finance rate is roughly KIBOR + 3% (~15.1%). Government-subsidised schemes are the big exception. This calculator lets you compare all three.
A bank finances up to ~80–85% of the property (you put down 15–20%), then you repay a fixed monthly instalment (EMI) over the tenor. The rate is almost always 1-year KIBOR + a spread, repriced yearly — so budget for movement, not a fixed number for 20 years. Total cost also includes processing fees, legal and property-insurance charges that vary by bank.
| Option | Rate | Notes |
|---|---|---|
| PM (Wazir-e-Azam) Apna Ghar | 5% fixed yrs 1–10, then KIBOR+3% | Up to Rs 10M, ~20-yr tenor, via SBP partner banks. Rs 160bn approved in 2026. |
| Roshan Apna Ghar (overseas) | ≈ KIBOR + 1.5% | For non-residents via a Roshan Digital Account — the cheapest market-linked route. |
| Bank home finance (typical) | ≈ KIBOR + 3% | HBL, Meezan Easy Home, Bank Alfalah, UBL, MCB, Bank AL Habib. |
| Punjab Apna Ghar (provincial) | Subsidised | Revised limits/markup launched 2026 — Punjab residents. |
Islamic home finance uses Diminishing Musharakah: the bank and you co-own the property; you gradually buy the bank’s share in instalments while paying rent on the portion the bank still owns. The monthly maths is comparable to a conventional EMI — the structure and documentation differ. Common products: Meezan Easy Home, Askari Home Musharakah, BankIslami Muskun, Standard Chartered Saadiq.
The key limit is the Debt Burden Ratio (DBR): the State Bank caps total loan repayments at 50% of your net monthly take-home income. Tenors run to 20 years (some banks 25), financing up to ~Rs 100M subject to DBR, and a co-applicant’s income can be clubbed (e.g. spouse) to raise your limit. Your age at maturity (retirement) also caps the tenor.
Rs 1.5 Cr property, 20% down (Rs 30 lakh), Rs 1.2 Cr financed at KIBOR+3% (~15.1%) over 20 years → an EMI of roughly Rs 1.58 lakh/month. Under PM Apna Ghar’s 5% intro, the early-year instalment on an eligible amount is far lower. (Illustrative — the calculator above computes your exact figures.)