Mortgage & Home Loan Calculator Pakistan
Calculate your home loan payment. Check if you can afford it. See total cost breakdown.
Calculate Mortgage
See how changes affect your result
How much mortgage can I afford?
Keep payments under 30% of income. UAE: 20% down for expats, 15% for nationals.
Fixed vs variable rate?
Fixed = same payment for term. Variable = starts lower but can rise. Choose fixed for stability.
Does a longer tenure reduce EMI?
Yes, but total interest increases significantly. 25 years costs much more than 15 years.
Home loans and mortgages in Pakistan
Mortgage payments in Pakistan are calculated in PKR. Buzdy holds 15 home finance products from 8 local lenders, so you can start from a real rate rather than a guess.
Looking for a credit card, a loan or a savings account in Pakistan?
Compare what banks in Pakistan actually offer — rates, fees and eligibility, updated for 2026.
Home loan and mortgage products in Pakistan
| Product | Bank | Rate | Maximum amount | Tenure |
|---|---|---|---|---|
| Saibaaan | NBP | For Salaried Class - 1 Year KIBOR + 2%; For SEP/SEB Class - 1 Year KIBOR + 3% | Up to Rs.75 Million | Minimum: 3 years Maximum: 25 years (HP/HC/LPC/BTF); Minimum: 3 years Maximum: 15 years (HI) |
| MERA PAKISTAN – MERA GHAR | Allied bank Pakisatn | 5% (subsidy for 10 years) | Up to PKR 10 Million | 20 years (subsidy for 10 years) |
| Home Loans | MCB Bank | Salaried: 6 Month KIBOR+3.00%; Equity 30% or above 6 Month KIBOR+2.50%; Equity 50% or above 6 Month KIBOR+2.00... | Broad range of financing available - Upto PKR 50 Million (or even higher) | Flexibility to borrow funds for 2 - 25 years |
| ALLIED HOME FINANCE | Allied bank Pakisatn | Minimum 1YK + 1.75%, Maximum 1YK + 5% | Financing up to PKR 75 million | Flexible repayment tenure from 3 to 25 years |
| Alfalah Home Finance | bank alfalah | Local Salaried 1 Year KIBOR + 3%; Self Employed / Businessmen / Others 1 Year KIBOR + 4%; Non-Resident Pakista... | Up to 80% financing of property value | Up to 25 years |
| MERA PAKISTAN MERA GHAR | NBP | Bank Pricing: One year KIBOR + 3% | Up to PKR 10 Million | 20 years (Subsidy for 10 years) |
| UBL Address Home Loan Facility | UBL Bank | Salaried (Address Only) KIBOR + 3.5%; SEB/SEP (Address Only) KIBOR + 4% | Minimum loan size: Rs. 1,000,000 | — |
| Meezan Easy Home | meezan bank | — | PKR 1 million to PKR 100 million | Up to 25 years |
| Mortage One | Standard Chartered | — | — | — |
| Mortage Refance | Standard Chartered | — | — | — |
| Commercial Mortgage | Standard Chartered | — | — | — |
| Green Mortage | Standard Chartered | — | — | — |
| Regular Mortgage Finance | Askari Bank Limited | — | — | — |
| Mera Pakistan, Mera Ghar | Askari Bank Limited | — | — | — |
| Mortgage for Special Segments | Askari Bank Limited | — | — | — |
15 home finance products from 8 banks, as published by each bank.
Worked example — PKR 10,000,000 property in Pakistan
- Property price
- PKR 10,000,000
- Down payment (20%)
- PKR 2,000,000
- Amount financed
- PKR 8,000,000
- Rate used
- 1.75% a year
- Term
- 25 years (300 months)
- Monthly payment
- PKR 32,943
- Total interest
- PKR 1,882,939
Rate taken from ALLIED HOME FINANCE (Allied bank Pakisatn), the lowest published home finance rate Buzdy holds for Pakistan. The 20% down payment is an illustration — confirm the required deposit with the lender.
Banks we track in Pakistan
Keep going in Pakistan
Guides for Pakistan
Pakistan — frequently asked questions
Which banks offer home loans in Pakistan?
Buzdy tracks 15 home finance products in Pakistan from lenders including Allied bank Pakisatn, Standard Chartered, NBP, Askari Bank Limited, MCB Bank, UBL Bank.
How much can I borrow for a home in Pakistan?
Published maximum financing amounts in our Pakistan data include Up to PKR 10 Million; Up to Rs.75 Million; Broad range of financing available - Upto PKR 50 Million (or even higher). What you personally qualify for depends on your income and existing commitments.
How long can a mortgage run in Pakistan?
Published tenures among the products we track include 20 years (subsidy for 10 years); 20 years (Subsidy for 10 years); Minimum: 3 years Maximum: 25 years (HP/HC/LPC/BTF); Minimum: 3 years Maximum: 15 years (HI). A longer term lowers the monthly payment but raises total interest — the calculator above shows both.
How much of my salary should the mortgage payment take?
Lenders normally want the payment to stay inside 30–40% of monthly income, and total debt inside about 50%. The affordability check above compares your payment with the salary you enter.