🏠 Pakistan Home Loan / EMI Calculator
Quick fill — select a bank to auto-fill typical rates:
💡 Pakistan Home Loan Tips
Mera Pakistan Mera Ghar Scheme
The government's subsidized home loan scheme offers rates as low as 5% for first-time buyers on properties up to Rs. 3.5 million. Check your eligibility at SBP or NAPHDA.
Minimum 20% Down Payment
Most Pakistani banks require at least 20% down payment (80% LTV). A larger down payment reduces your EMI and total interest/profit paid significantly.
Islamic Finance — Halal Option
Meezan Bank, Dubai Islamic Bank, and Bank Islami offer Diminishing Musharakah — a Sharia-compliant alternative to interest-based home loans. The math is similar but structured differently.
Rates Change with KIBOR
Most conventional home loan rates are linked to KIBOR (Karachi Interbank Offered Rate). When the SBP policy rate changes, your EMI can go up or down. Consider fixed-rate options for stability.