Home loan calculator Pakistan (housing finance)

Updated 22 Oct 2026

How much home loan can I get in Pakistan?

SBP's 2026 housing finance rules allow at most 90% of the property value for at most 30 years, with the housing installment plus all other installments within 65% of net disposable income. A PKR 15,000,000 home with 10% down over 20 years at an example 15% mark-up costs PKR 177,767 a month.

Official rule: Housing finance covers at most 90% of the property value (LTV 90:10) — so at least 10% comes from you. (source, checked 2026-10-21)

This page: a home loan (housing finance) in Pakistan. Your monthly installment, the down payment SBP requires and the debt burden check. Overseas Pakistanis: Roshan Apna Ghar · Costs of buying: property tax in Pakistan · All calculators: loan calculator Pakistan.

Rules

Housing finance (residents)Roshan Apna Ghar, lien-basedRoshan Apna Ghar, non-lien

Property price (PKR)

Down payment (% of the price)Housing finance covers at most 90% of the value; Roshan Apna Ghar 99% (lien-based) or 85% (non-lien).

Tenor (years)At most 30 years (25 for Roshan Apna Ghar).

Mark-up/profit rate (% a year)15% is an example rate — SBP sets no maximum mark-up, so use the rate in your Key Fact Statement. Floating rates follow KIBOR plus the bank's margin.

Up-front fees (PKR)From your Key Fact Statement. Empty counts as 0.

Net disposable income a month (PKR, optional)Debt burden limit: 65% (housing finance) or 50% incl. this repayment (Roshan Apna Ghar, non-lien); none for lien-based.

Other monthly installments (PKR)Car and personal financing, cards.

Monthly installmentPKR 177,767

APR incl. fees15.00%

Financed: PKR 13,500,000
Down payment: PKR 1,500,000
Total mark-up/profit: PKR 29,163,982
Down payment + installments + fees: PKR 44,163,982

SBP's limits come from its Prudential Regulations for Consumer Financing (as amended by BPRD Circular Letters 26 of 2020, 29 of 2021 and 19 of 2022), the Prudential Regulations for Housing Finance 2026 and the Business Conduct and Fair Treatment of Consumers framework (BC&FRF, 2025). Your bank's Key Fact Statement and its own credit review are what count.

Installments on this page follow the standard monthly formula on the reducing balance. Your bank counts mark-up or profit day by day between the actual payment dates and rounds each amount, so its own schedule can differ slightly. Only your signed offer and Key Fact Statement are binding.

Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

SBP's housing finance rules (2026)

Tenor: Housing finance runs at most 30 years (SBP Prudential Regulations for Housing Finance 2026, HF-4).
Down payment: Housing finance covers at most 90% of the property value (LTV 90:10) — so at least 10% comes from you.
Debt burden: With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income.
Small loans: For housing finance up to Rs 5 million the bank may mark a lien on the property in the land records instead of a mortgage.
Disclosure: Before the deal the bank must disclose all fees, prepayment penalties and the annualized percentage rate.
Mark-up: SBP sets no ceiling on the mark-up/profit rate of consumer financing. A fixed rate may not be raised during the tenor; a floating rate is a benchmark (KIBOR or another rate) plus a margin that may not be raised. How floating rates work: KIBOR rate explained.
Paying off early: You always have the right to repay early. Any early-repayment penalty may not exceed the bank's actual loss/cost — SBP sets no fixed percentage, so use the figure in your Key Fact Statement.

Islamic home finance

Diminishing Musharaka (SBP spelling): co-ownership in which one co-owner buys the other's share in periodic installments. Ijarah (SBP): the owner of an asset transfers its usufruct (use) to another person for an agreed period and rent; ownership stays with the owner. The same SBP limits apply to Islamic banks.

SBP's debt burden limits in one minute

Consumer financing: All consumer-financing repayments together should not exceed 40% of the borrower's net disposable income (SBP Prudential Regulations for Consumer Financing R-3, as amended by BPRD Circular Letter 29 of 2021).
With a home: With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income.
Spouse's income: The bank may count a spouse's income in the debt-burden ratio when the spouse agrees and is recorded as co-borrower.
Example: on a net disposable income of PKR 200,000 a month, all consumer installments together stay within PKR 80,000; with a home finance installment, everything within PKR 130,000.

Where to complain

Your bank first, in writing. It must acknowledge the complaint and resolve it within SBP's time limits (card disputes within 45 working days at most).
SBP's complaint portal Sunwai — sunwai.sbp.org.pk — also for Roshan Digital Accounts. Your Key Fact Statement carries the link.
Banking Mohtasib Pakistan (the banking ombudsman) if the bank has not resolved your written complaint within 30 days — how to file.

Questions people ask

How much down payment do I need for a home loan in Pakistan?

At least 10% of the property value: SBP's 2026 housing finance rules cap the loan-to-value ratio at 90:10. Under Roshan Apna Ghar a bank may finance up to 99% (lien-based) or 85% (non-lien).

What is the longest home loan tenor in Pakistan?

30 years for housing finance (SBP Prudential Regulations for Housing Finance 2026); 3 to 25 years under Roshan Apna Ghar.

What is the debt burden ratio for a home loan?

In Pakistan, the housing installment plus all other consumer-financing obligations may not exceed 65% of your net disposable income.

Is a home loan in Pakistan fixed or floating?

Both exist. A floating rate is KIBOR plus a margin that cannot rise during the tenor; a fixed rate cannot be raised. The Key Fact Statement shows which you have and the APR.

Sources (9)

Rules this page uses: 23, from 9 source documents. Each rule shows the date we last checked it.

Housing finance runs at most 30 years (SBP Prudential Regulations for Housing Finance 2026, HF-4). (source, checked 2026-10-21)
Housing finance covers at most 90% of the property value (LTV 90:10) — so at least 10% comes from you. (source, checked 2026-10-21)
With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income. (source, checked 2026-10-21)
For housing finance up to Rs 5 million the bank may mark a lien on the property in the land records instead of a mortgage. (source, checked 2026-10-21)
Before the deal the bank must disclose all fees, prepayment penalties and the annualized percentage rate. (source, checked 2026-10-21)
SBP sets no ceiling on the mark-up/profit rate of consumer financing. A fixed rate may not be raised during the tenor; a floating rate is a benchmark (KIBOR or another rate) plus a margin that may not be raised. (source, checked 2026-10-21)
You always have the right to repay early. Any early-repayment penalty may not exceed the bank's actual loss/cost — SBP sets no fixed percentage, so use the figure in your Key Fact Statement. (source, checked 2026-10-21)
Diminishing Musharaka (SBP spelling): co-ownership in which one co-owner buys the other's share in periodic installments. (source, checked 2026-10-21)
Ijarah (SBP): the owner of an asset transfers its usufruct (use) to another person for an agreed period and rent; ownership stays with the owner. (source, checked 2026-10-21)
Roshan Apna Ghar, lien-based (financing against a lien on your RDA balance or Naya Pakistan Certificates, no mortgage): up to 99% of the property value to buy or build; up to 40% to renovate. (source, checked 2026-10-21)
Roshan Apna Ghar, non-lien (normal housing finance against a mortgage of the property): up to 85% of the property value to buy or build; up to 30% to renovate. (source, checked 2026-10-21)
Roshan Apna Ghar: at most 25 years. (source, checked 2026-10-21)
Roshan Apna Ghar, non-lien financing (and the Government markup/profit subsidy scheme): the debt burden ratio may not exceed 50%, including this financing's repayment — the scheme's own limit, used instead of the general 65% housing limit. (source, checked 2026-10-21)
Roshan Apna Ghar, lien-based financing (against a lien on your RDA balance or Naya Pakistan Certificates): no debt burden limit applies. (source, checked 2026-10-21)
Roshan Apna Ghar: minimum financing PKR 500,000, no maximum — except non-lien renovation, capped at Rs 10 million. No minimum income. (source, checked 2026-10-21)
Roshan Apna Ghar, non-lien renovation financing: at most Rs 10 million. (source, checked 2026-10-21)
Roshan Apna Ghar: early repayment is allowed; in the first year of financing it costs 1% of the outstanding amount (no restriction under the Government markup/profit subsidy scheme). (source, checked 2026-10-21)
All consumer-financing repayments together should not exceed 40% of the borrower's net disposable income (SBP Prudential Regulations for Consumer Financing R-3, as amended by BPRD Circular Letter 29 of 2021). (source, checked 2026-10-21)
With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income. (source, checked 2026-10-21)
The bank may count a spouse's income in the debt-burden ratio when the spouse agrees and is recorded as co-borrower. (source, checked 2026-10-21)
Complain to your bank first: it acknowledges within 48 hours and must resolve card disputes within 45 working days at most. (source, checked 2026-10-21)
Then SBP's complaint portal Sunwai (also for Roshan Digital Accounts). (source, checked 2026-10-21)
If the bank has not resolved your written complaint within 30 days, you may go to the Banking Mohtasib Pakistan (the statutory banking ombudsman). (source, checked 2026-10-22)

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