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Now Hiring: Are you a driven and motivated 1st Line IT Support Engineer?
Office Hours: 10:00am-6:00pm
Call Anytime 24/7
Mail Us For Support
Office Address
Buying your dream home in Pakistan is a big step — and understanding your financing is crucial. Our Mortgage Calculator for Pakistan helps you calculate:
📌 Monthly Installments (PKR)
📌 Total Loan Payment
📌 Total Interest Paid
📌 Loan-to-Value (LTV) Ratio
Whether you’re exploring home loans from banks in Pakistan or planning your property purchase in Islamabad, Lahore, Karachi, or Galiyat, this tool gives you a clear financial picture.
Enter Property Price (PKR) – The total cost of the property.
Enter Down Payment (%) or (PKR) – Minimum 20% is required in Pakistan (LTV ≤ 80%).
Select Loan Term – Choose from 5, 10, 15, 20, or 25 years.
Enter Interest Rate (%) – Typically between 10% – 25% in Pakistan.
(Optional) Add Your Monthly Income – To check affordability based on the Debt Burden Ratio (DBR ~40%) rule.
👉 Click Calculate to instantly see your monthly installment, total payment, and loan-to-value ratio.
⚠️ Note: If your down payment is less than 20%, you’ll see a warning since most Pakistani banks require a minimum of 20% equity.
Instant results with PKR currency formatting.
Based on Pakistan’s real estate & banking market standards.
Helps you plan property financing before applying for a bank loan.
Shows whether your loan fits within the State Bank of Pakistan (SBP) guidelines.
For most salaried individuals, banks allow up to 80% LTV, meaning you need at least 20% down payment.
DBR is a measure used by banks to check if your monthly installments exceed 40% of your monthly income.
Popular banks include HBL, UBL, MCB, Bank Alfalah, Meezan Bank, and Askari Bank.
Yes, most banks have Roshan Apna Ghar schemes for overseas Pakistanis.