Mera Ghar Mera Ashiana Scheme Calculator
Estimate installments for the subsidised housing scheme from loan amount, markup and tenure. Enter the current markup.
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Worked example
Example: price Rs. 5,000,000, 10% down payment, 7% yearly profit rate, 20 years, reducing balance.
| Financed amount | Rs. 4,500,000 |
|---|---|
| Monthly installment | Rs. 34,888 |
| Total payable | Rs. 8,373,229 |
| Total profit | Rs. 3,873,229 |
How the Mera Ghar Mera Ashiana Scheme Calculator 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
Subsidised housing schemes advertise a markup far below the market rate for eligible borrowers, usually with limits on loan size and tenure. The markup, eligibility and loan caps are set by the government and participating banks, so enter the figures from the current scheme notice.
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
Who is eligible for the scheme?
Eligibility, income limits and loan caps are announced by the government and the State Bank. Check the current notification before applying.
How is the Mera Ghar Mera Ashiana 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.
Is this calculator accurate?
It uses standard formulas and the figures configured on this site. Results are estimates for planning; confirm final amounts with the official authority, bank or institution.
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Disclaimer: results are estimates for general information. Confirm figures with the official authority, bank, institution or a qualified professional.