Home Loan Eligibility Calculator (Pakistan)
Enter your monthly income, existing debt payments, loan tenure and markup rate. The calculator applies the debt burden ratio rule used by banks in Pakistan and shows the maximum monthly installment you can afford and the maximum home loan amount you may be eligible for.
Credit cards, auto loans, personal loans and any other installments you already pay.
Banks in Pakistan usually allow 40 to 50 percent.
Enter your details above to see your eligibility.
How to use
- Enter your total monthly income in PKR (salary plus any other regular income).
- Add all existing monthly debt payments you already pay.
- Choose the loan tenure in years and the expected annual markup rate.
- Set the debt burden ratio if your bank uses a different limit than 40 percent.
- Your maximum affordable monthly installment and eligible loan amount appear instantly.
Frequently asked questions
Banks use a debt burden ratio rule: your total monthly obligations, including the new home loan installment, should not exceed a set share of your monthly income, commonly 40 to 50 percent. This calculator applies that rule to your income, existing debt payments and markup rate to estimate the loan amount you may qualify for.
It is the percentage of your monthly income that banks allow for all monthly debt payments. The calculator defaults to 40 percent, which is a common conservative limit in Pakistan, and you can adjust it between 20 and 60 percent to match a specific bank policy.
Yes. Existing monthly debt payments are subtracted from your allowed monthly obligation first, so the remaining amount sets the maximum new home loan installment you can afford. Clearing or reducing old debts can raise your eligibility.
No. These are estimates based on the debt burden ratio rule and the markup rate you enter. Every bank in Pakistan has its own credit policy, verification process and pricing, so always confirm your actual eligibility with the bank before you apply.
Note
All figures are estimates only. Banks in Pakistan apply their own credit policies, salary verification, property valuation and insurance rules, and may require a down payment of 15 to 30 percent of the property value. Confirm the actual markup rate, processing fees and eligibility with the bank before you apply.