Mortgage calculator
Conventional or Islamic (diminishing musharakah) — see your instalment, the full amortisation schedule, and what an extra monthly payment saves you.
Indicative pricing off 6M KIBOR 11.9% (SBP policy rate 11.5%), verified 3 July 2026. Home finance in Pakistan is floating-rate — your instalment reprices with KIBOR.
Estimated monthly payment
PKR 2.62 Lakh
- Loan amount
- PKR 2 Crore
- Down payment
- PKR 50 Lakh
- Total interest
- PKR 4.29 Crore
- Total payable
- PKR 6.29 Crore
- Paid off by
- October 2046
- Paid off in
- 20 yrs
Amortisation — balance over time
Yearly schedule
| Yr | Principal | Interest | Balance |
|---|---|---|---|
| 1 | PKR 1.74 Lakh | PKR 29.68 Lakh | PKR 1.98 Crore |
| 2 | PKR 2.02 Lakh | PKR 29.41 Lakh | PKR 1.96 Crore |
| 3 | PKR 2.34 Lakh | PKR 29.08 Lakh | PKR 1.94 Crore |
| 4 | PKR 2.72 Lakh | PKR 28.71 Lakh | PKR 1.91 Crore |
| 5 | PKR 3.15 Lakh | PKR 28.28 Lakh | PKR 1.88 Crore |
| 6 | PKR 3.65 Lakh | PKR 27.77 Lakh | PKR 1.84 Crore |
| 7 | PKR 4.23 Lakh | PKR 27.19 Lakh | PKR 1.8 Crore |
| 8 | PKR 4.91 Lakh | PKR 26.52 Lakh | PKR 1.75 Crore |
| 9 | PKR 5.69 Lakh | PKR 25.73 Lakh | PKR 1.7 Crore |
| 10 | PKR 6.6 Lakh | PKR 24.82 Lakh | PKR 1.63 Crore |
| 11 | PKR 7.66 Lakh | PKR 23.77 Lakh | PKR 1.55 Crore |
| 12 | PKR 8.88 Lakh | PKR 22.55 Lakh | PKR 1.46 Crore |
| 13 | PKR 10.3 Lakh | PKR 21.13 Lakh | PKR 1.36 Crore |
| 14 | PKR 11.94 Lakh | PKR 19.49 Lakh | PKR 1.24 Crore |
| 15 | PKR 13.84 Lakh | PKR 17.58 Lakh | PKR 1.1 Crore |
| 16 | PKR 16.05 Lakh | PKR 15.37 Lakh | PKR 94.27 Lakh |
| 17 | PKR 18.62 Lakh | PKR 12.81 Lakh | PKR 75.65 Lakh |
| 18 | PKR 21.59 Lakh | PKR 9.84 Lakh | PKR 54.06 Lakh |
| 19 | PKR 25.03 Lakh | PKR 6.39 Lakh | PKR 29.03 Lakh |
| 20 | PKR 29.03 Lakh | PKR 2.4 Lakh | PKR 0 |
Live bank offers for your numbers
Compare current lender pricing and get an agreement in principle — or see the full marketplace on the mortgages page.
Compare mortgage rates
See the monthly payment and total cost across lenders for your loan. Indicative — not a binding offer.
| Lender | Rate | Monthly | Total interest | Max LTV | Max tenure | Proc. fee | |
|---|---|---|---|---|---|---|---|
| Enter a price above your down payment to compare lenders. | |||||||
* indicative rate — this lender quotes on application. LTV, tenure and processing fee are the lenders' published indicative terms — confirm with the lender.
Frequently asked questions
What home-loan rate should I expect in Pakistan right now?
Home finance is floating-rate, priced off 6-month KIBOR plus a bank spread of roughly 2–4 percentage points. The calculator's presets track the current KIBOR with a verified date; your exact offer depends on income, LTV and the bank's risk view.
How is Islamic home finance different from a conventional loan?
Under diminishing musharakah the bank and you co-own the property: you buy the bank's share in fixed monthly units and pay rent on the share it still owns, so instalments start higher and fall every month. There is no interest-bearing loan; the rental rate plays the economic role the interest rate plays in a conventional mortgage.
Do extra payments reduce my term or my instalment?
This calculator models the common Pakistani bank treatment: extra payments go straight to principal and shorten the term, which is also what saves the most interest. Some banks let you re-amortise to lower the instalment instead — ask yours.
How much deposit (down payment) do banks require?
Most banks finance 70–85% of the property value, so plan a 15–30% down payment plus transfer taxes and fees. Prudential caps and the bank's valuation (not your agreed price) set the final financing amount.