CalcuPK

Home Loan Calculator Pakistan — Mortgage EMI Estimate

Pakistan-focusedFormula explained
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About these figures: A plausible starting value only. It carries no official authority — replace it with your own figure.

Estimate the monthly installment, total markup and total repayment for financing a home in Pakistan.

Last updated: 1 July 2025

Saved on this device only — no account needed.
PKR
PKR

Loan amount: PKR 15,000,000

%

Enter the annual rate from your bank. The value shown is only a starting point.

yrs
%

One-off fee as a % of the loan amount.

Your installment

Monthly installmentPKR 263,444
Total installments (180 × monthly)PKR 47,420,006
Total markup / profitPKR 32,420,006
Processing fee (upfront)PKR 150,000
Total amount paid including feesPKR 47,570,006
Down paymentPKR 5,000,000
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Total cost breakdown

Principal
PKR 15,000,000
Total markup
PKR 32,420,006
Processing fee
PKR 150,000
CostAmount
Loan (principal)PKR 15,000,000
Total markupPKR 32,420,006
Processing feePKR 150,000
Total amount paid including feesPKR 47,570,006

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How to use this calculator

  1. 1Enter the property price and your down payment.
  2. 2Add the bank's markup rate and tenure in years.
  3. 3Optionally add a processing fee.
  4. 4Review your monthly installment and total cost.

Formula & how it works

Standard EMI formula on the financed amount:

EMI = P × r × (1+r)n ÷ ((1+r)n − 1)

  • P = property price − down payment
  • r = annual markup ÷ 12
  • n = tenure in months

Home Loan / Mortgage Calculator Pakistan

This home loan calculator helps you estimate the monthly installment on a house purchase in Pakistan. By adjusting the down payment, markup rate and tenure, you can quickly see what a property is likely to cost you each month and over the full term of the financing.

Comparing options? See the Vehicle Finance Calculator or check the impact of inflation on long-term plans.

Frequently asked questions

Using the EMI formula on the financed amount (property price − down payment), your annual markup rate, and the tenure in months.

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