Pakistan Mortgage Calculator
Your loan
No official mortgage-rate data for this country — enter the rate from your lender.
- Principal & interestRs 116,295
Upfront costs
- Down paymentRs 5,000,000
- Stamp duty%Rs 600,000
- Transfer tax%Rs 600,000
- Cash needed at purchaseRs 6,200,000
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Range: 6.65% to 7.35% · The rate resets once a year.
Likely range of your monthly payment
- Most likely
- 80% of outcomes
- Middle 50% of outcomes
- If today's rate holds
In 8 out of 10 simulated futures, you pay between Rs 12,614,059 and Rs 13,207,808 in total interest (today's rate: Rs 12,910,762).
| Scenario | Avg. monthly | Highest monthly | Total interest | vs. today |
|---|---|---|---|---|
| Rate stays at 7.00% | Rs 116,295 | Rs 116,295 | Rs 12,910,762 | — |
| Drops to 6.65% at first reset | Rs 113,430 | Rs 116,295 | Rs 12,223,201 | ▼ −Rs 687,561 |
| Rises to 7.35% at first reset | Rs 119,197 | Rs 119,350 | Rs 13,607,321 | ▲ +Rs 696,560 |
| Climbs steadily to 7.35% | Rs 117,304 | Rs 117,971 | Rs 13,153,008 | ▲ +Rs 242,247 |
| Falls steadily to 6.65% | Rs 115,293 | Rs 116,295 | Rs 12,670,311 | ▼ −Rs 240,451 |
| Spikes to 7.35% for 3 years | Rs 117,047 | Rs 119,350 | Rs 13,091,179 | ▲ +Rs 180,418 |
Based on 600 simulated rate paths that drift randomly within your range and tend back toward today's rate. This is an illustration, not a forecast.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Buying a home in Pakistan: rules and costs
- Most bank home loans are variable and reprice against KIBOR, commonly once a year.
- Islamic home financing (Diminishing Musharakah) is widely offered alongside conventional loans.
- Purchase taxes include provincial stamp duty, capital value tax and federal advance tax, which is higher for non-filers.
Sources: State Bank of Pakistan · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Pakistan?
Pakistan does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a Rs 15,000,000 loan over 20 years, going from 7.00% to 8.00% raises the monthly payment from Rs 116,295 to Rs 125,466 — about Rs 9,171 more each month.
What upfront costs should I budget for in Pakistan?
On a Rs 20,000,000 purchase, expect about Rs 1,200,000 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.