Affordability calculator

See the maximum property price you can comfortably afford — with transfer taxes reserved and a rate stress test — then jump straight to homes within budget.

Monthly household income

PKR

PKR 5 LakhExisting monthly debt payments

PKR

Cash available (down payment + fees)

PKR

PKR 50 Lakh

How much of your income can go to the instalment?

The ceiling most Pakistani banks apply to salaried borrowers.

Interest rate 14.90%Defaults to a typical bank offer (6M KIBOR 11.9% + 3%).Loan term 20 yrsReserve transfer taxes & fees out of my cashUses the stamp-duty model (Punjab, filer rates) so the maximum price doesn't over-promise — fine-tune on the stamp-duty tool.

You can afford up to

PKR 1.56 Crore

Max monthly instalment: PKR 1.5 Lakh
Max loan: PKR 1.15 Crore
Down payment: PKR 41.14 Lakh
Reserved for taxes & fees: PKR 8.86 Lakh
Income used (DTI): 40%

Stress test: if KIBOR rises 3pp (rate 17.90%), your budget drops to PKR 1.4 Crore. Home finance is floating-rate — leave headroom.

See homes you can afford Get pre-qualified with these numbers