House Loan Calculator Pakistan (HBFC & Banks)

Calculate house loan installments for HBFC and commercial banks.

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Worked example

Example: price Rs. 8,000,000, 20% down payment, 14% yearly profit rate, 15 years, reducing balance.

Financed amount	Rs. 6,400,000
Monthly installment	Rs. 85,231
Total payable	Rs. 15,341,661
Total profit	Rs. 8,941,661

How the House Loan Calculator Pakistan (HBFC & Banks) works

Enter price, down payment, profit rate and tenure. The calculator uses the reducing-balance EMI formula (or flat rate) to give the monthly installment and total cost.

Formula: EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), r = annual rate ÷ 12

What to know before you calculate

House Building Finance Company (HBFC) and commercial banks offer home loans with long tenures of up to 20–25 years. Over such long periods the profit rate matters far more than the headline price, so test a few rates.

How a home loan installment is worked out

Home finance in Pakistan is normally repaid on a reducing balance: each installment covers the profit for that month on the outstanding amount, and the rest reduces the principal. Early installments are mostly profit; later ones are mostly principal.

Example with this calculator: a Rs. 8,000,000 house with 20% down leaves Rs. 6,400,000 to finance. At 14% for 15 years the installment is about Rs. 85,231 and total profit about Rs. 8,941,661. Over 10 years the installment rises to about Rs. 99,371 but total profit falls to about Rs. 5,524,462.

Before you apply

Banks usually cap the installment at a share of your net monthly income and ask for clear property title documents, so check eligibility early. Government-supported schemes have their own markup, tenure and eligibility rules that change between announcements; enter the figures from the current official notice rather than old news reports.

Rates on most bank products are KIBOR-linked and reset periodically. Ask whether the rate is fixed or floating, and what happens to the installment at each reset.

Costs not included

Valuation and legal fees, processing charges, takaful or insurance, stamp duty and transfer costs are extra. Compare the full repayment schedule from each lender.

Tips for accurate results

A higher down payment and shorter tenure reduce total profit paid. Compare the installment with at least three banks and ask about processing fee, takaful, early settlement charges and KIBOR reset terms.

Official sources: State Bank of Pakistan.

Roman Urdu mein

Gari ya ghar ki qeemat, down payment, profit rate aur muddat daalein to mahana qist aur kul adaigi nazar aa jati hai.

Frequently asked questions

What tenure should I choose?

A shorter tenure raises the installment but reduces total profit. Try 10, 15 and 20 years and compare the totals.

How is the House loan monthly installment calculated?

The financed amount is spread over the tenure with profit charged on the outstanding balance. Banks may add processing, takaful and registration costs.

Is the profit rate fixed?

Many Pakistani bank rates are KIBOR-linked and reset periodically, so confirm with the bank.

How do I calculate a home loan installment in Pakistan?

Enter the financed amount after down payment, annual financing rate and repayment term. The estimate does not include every bank fee, takaful or insurance charge, so compare it with the bank's written offer.

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Disclaimer: results are estimates for general information. Confirm figures with the official authority, bank, institution or a qualified professional.