Buying a house is one of the biggest financial decisions you will ever make. With rising property prices and changing interest rates, careful planning is essential. Our House Loan Calculator Pakistan helps you estimate your monthly installment (EMI), total repayment amount, and bank profit/interest.
Whether you’re applying for a conventional home loan or an Islamic home financing plan, this calculator makes it simple to:
- Compare monthly payments for different loan amounts
- Adjust the tenure to see how it affects affordability
- Calculate the impact of your down payment on installments
Use this tool before applying for home loans from leading banks such as HBL, Meezan Bank, Bank Alfalah, UBL, and Faysal Bank.
🏠 House Loan Calculator (Pakistan)
📊 Loan Summary
Loan Type:
Loan Amount: PKR
Monthly Installment: PKR
Total Payable: PKR
Total Interest/Profit: PKR
Amortization Schedule
| Year | Month | Installment | Principal | Interest/Profit | Balance |
|---|
How Our House Loan Calculator Helps You
- Instantly calculate your monthly EMI
- Compare repayment plans for 1–25 years
- Understand how much you’ll pay in total (principal + interest/profit)
- Check the effect of different down payment amounts
Best Home Loan Options in Pakistan
Pakistani banks provide a variety of home loan and financing solutions. If you prefer Shariah-compliant options, Meezan Bank Easy Home is one of the most popular choices. Conventional home loan products include:
- HBL Home Loan
- Meezan Bank
- Bank Al Habib Limited
- UBL House Financing
- Bank Alfalah Home Finance
- Faysal Bank Home Loan
| Bank Name | Financing Type | Estimated Rate (Per Annum) | Tenure Available | Notes |
|---|---|---|---|---|
| Meezan Bank – Easy Home | Islamic (Shariah) | ~12% – 14% (Profit Rate) | Up to 25 years | No interest, Diminishing Musharakah model |
| HBL Home Loan | Conventional | ~13% – 15% (Interest) | Up to 20 years | Flexible repayment plans |
| UBL House Financing | Conventional | ~12.5% – 14.5% (Interest) | Up to 20 years | Salaried & business individuals |
| Bank Alfalah Home Finance | Both Islamic & Conv. | ~12% – 14.5% | Up to 25 years | Wide range of options |
| Faysal Bank Home Loan | Both Islamic & Conv. | ~12% – 14% | Up to 20 years | Easy application process |
| Allied Bank (ABL) Home Loan | Conventional | ~13% – 15% | Up to 25 years | Long tenure option |
| MCB Home Loan | Conventional | ~13% – 15% | Up to 25 years | Competitive packages |
(⚠️ Note: Rates may vary depending on tenure, loan amount, and applicant profile)
Tips Before Applying for a Home Loan
- Compare profit/interest rates across multiple banks.
- Always check your monthly affordability with the calculator above.
- A higher down payment reduces your monthly burden.
- Review both Islamic and Conventional home financing options to find the best fit.
With the right planning, you can achieve your dream of owning a home in Pakistan. Use this calculator regularly to make smarter financial decisions.