Loan Details
Property Price
Rs. 1,00,00,000
Rs. 5 LacRs. 5 Crore
Down Payment
20% — Rs. 20,00,000
10%50%
Loan Term
20 Years
1 Year30 Years
Annual Interest Rate
14.0%
5%30%
Your Monthly Salary
Rs. 1,00,000
Rs. 30kRs. 10 Lac
Monthly Installment (EMI)
Rs. 0
per month
Affordability
—
Loan Amount
—
Total Interest
—
Total Cost
—
Payment Breakdown
Principal—
Interest—
Current Bank Rates (Approx.)
HBL — Ghar Asaan15–18%
Meezan Bank Islamic14–16%
UBL — Ameen Home Finance15–17%
HBFC13–15%
MCB Islamic Housing16–19%
Bank Alfalah15–17%
Frequently Asked Questions
Which bank gives the cheapest home loan in Pakistan?
HBFC generally offers the most competitive rates (13–15%). Meezan Bank is the top choice for Islamic financing.
What is the minimum salary for a home loan in Pakistan?
Most banks require a minimum monthly income of Rs. 50,000–80,000. Your EMI should not exceed 40–50% of net salary.
How much down payment is required?
Typically 10–30% of property value. HBFC allows as low as 10%, while most commercial banks require 20–30%.
What is KIBOR and how does it affect my loan?
KIBOR (Karachi Interbank Offered Rate) is Pakistan's benchmark rate. Most home loans are priced at KIBOR + a fixed spread. When KIBOR rises, variable rate EMIs increase.
Learn before you borrow 📚
Read our free guides on home loans, bank comparisons, and tips for Pakistani homebuyers.
Read the Blog →⚠️ This calculator provides estimates only. Actual rates and eligibility vary by bank. Always consult your bank before making financial decisions.