Free calculator
Home affordability calculator
Work out the most expensive home you can buy in Pakistan from your take-home pay and your savings: the loan a bank may give, the down payment, the monthly installment, and whether your income or your savings hold you back.
- Free, no sign-up
- Answers as you type
- Works on your phone
Calculator
Work out what you can afford
Give your take-home pay, any installments you already pay and your savings. The answer is the dearest home both allow, with the loan and the installment.
The home you can afford
- Loan
- Rs 1.28 crore80% of the price, over 20 years
- Down payment
- Rs 32 lakh20% of the price
- Monthly installment
- Rs 172,63057.5% of take-home
- Taxes and fees
- Rs 8 lakh5% of the price, from savings
Which limit decides
- Your savings allow20% down and 5% in fees from Rs 40 lakh
- Rs 1.6 crore
- Your income allowsAn installment up to Rs 195,000 a month, 65% of take-home
- Rs 1.76 crore
Every Rs 1 lakh more saved adds about Rs 4 lakh to the price, as the bank lends the rest. Saving Rs 5.18 lakh more would take you to Rs 1.81 crore, the most your income carries at this rate and tenure. A bank lending 90% of the price, the most SBP rules allow, would take you to Rs 1.76 crore.
The installments would take 57.5% of your take-home pay. The rules allow it, but it leaves little for everything else: at a 50% limit the most you could pay would be Rs 1.44 crore.
An estimate at a steady rate, with KIBOR as of 29 September 2026. A bank sets the final loan after checking your income, your credit record and the house itself, so confirm with it before you commit.
Reference
The home each take-home income carries
At 15.43% over 20 years (1-year KIBOR on 29 September 2026 plus 3%), with installments up to 65% of take-home pay and the bank lending 80% of the price. The savings cover the 20% down payment and about 5% in taxes and fees.
| Take-home a month | Installment up to | Loan | Home price | Savings needed |
|---|---|---|---|---|
| Rs 50,000 | Rs 32,500 | Rs 24.1 lakh | Rs 30.12 lakh | Rs 7.53 lakh |
| Rs 100,000 | Rs 65,000 | Rs 48.2 lakh | Rs 60.24 lakh | Rs 15.06 lakh |
| Rs 150,000 | Rs 97,500 | Rs 72.29 lakh | Rs 90.37 lakh | Rs 22.59 lakh |
| Rs 200,000 | Rs 130,000 | Rs 96.39 lakh | Rs 1.2 crore | Rs 30.12 lakh |
| Rs 300,000 | Rs 195,000 | Rs 1.45 crore | Rs 1.81 crore | Rs 45.18 lakh |
| Rs 500,000 | Rs 325,000 | Rs 2.41 crore | Rs 3.01 crore | Rs 75.31 lakh |
| Rs 1,000,000 | Rs 650,000 | Rs 4.82 crore | Rs 6.02 crore | Rs 1.51 crore |
With no other loans: installments you already pay come off first. At a 50% limit every figure is 23% lower. Worked out with the calculator's own rates, as of 29 September 2026.
How it is worked out
Two limits, and the lower one decides
A bank limits a home loan in two ways. The first is your income: under SBP rules all your loan installments together, the new one included, may take up to 65% of your take-home pay, and a bank can hold you to less. That caps the installment, and so the loan. The second is the price: banks usually lend up to 80% of a home's value (SBP rules allow 90%), so the down payment comes from your savings, and so do the taxes and fees, about 5% of the price.
Savings first. On the example, Rs 40 lakh has to cover a 20% down payment and 5% in fees, 25% of the price in all, so it stretches to a home of Rs 40 lakh ÷ 25% = Rs 1.6 crore. In general, the price your savings allow = savings ÷ (100% - the share the bank lends + the fees).
Then income. A take-home of Rs 300,000 a month at a 65% limit leaves room for an installment of Rs 195,000. At 15.43% over 20 years that repays a loan of Rs 1.45 crore, and with all the savings behind it, less the fees, it would buy a home of Rs 1.76 crore: the price your income allows = (savings + the largest loan) ÷ (100% + the fees). The savings allow less, so they decide: a Rs 1.6 crore home with a loan of Rs 1.28 crore at Rs 172,630 a month, 57.5% of take-home pay.
Work on whichever limit decides. While your savings decide, every Rs 1 lakh more saved adds about Rs 4 lakh to the price, because the bank lends the rest; the example household would need Rs 5.18 lakh more to reach Rs 1.81 crore, the most its income carries. While your income decides, clearing a car or personal loan, adding a co-applicant's income or finding a lower rate lifts it, and extra savings add only themselves, less the fees.
Before you commit
The most a bank lends is not the most to borrow
65% is the most the rules allow, not a comfortable share. The example household would pay the bank Rs 172,630 of its Rs 300,000 a month and live on the other Rs 127,370. Set the debt burden limit to 40% under The bank's limits and the same household's answer is Rs 1.23 crore, with an installment of Rs 120,000; at 50% it is Rs 1.44 crore.
Floating rates move. Most home loans are priced on 1-year KIBOR, 12.43% on 29 September 2026, plus the bank's spread, and reset once a year. A 2% rise at the first reset would take the example's installment from Rs 172,630 to Rs 191,566, so leave room for it.
Keep some savings back. The bank lends on its own valuation, so a valuation below the price leaves a gap to fill; moving, furnishing and the first repairs cost money; and a few months of installments set aside keeps a lost job or a late salary from turning into missed payments.
The answer is an estimate. The bank decides the loan after checking your income papers, your credit record and the house itself, so confirm the figures with it before you pay token money on a house or sign an agreement to sell.
Terms
Words the bank will use
- Take-home income
- Pay after income tax and other deductions: the net disposable income SBP rules measure installments against. A co-applicant's take-home, such as a spouse's, can be added.
- Debt burden ratio
- All your monthly loan installments as a share of take-home income. SBP rules cap it at 65% for a home loan, and a bank may set a lower limit of its own.
- Loan to value
- The loan as a share of the home's value, the lower of the price and the bank's valuation. SBP rules allow up to 90%; banks usually lend 70 to 80%.
- Down payment
- The part of the price you pay from your own savings: whatever the bank does not lend.
- Advance tax (236K)
- Income tax the buyer pays when the transfer is registered: 1.25% of the value for a filer and 10.5% for a non-filer up to Rs 5 crore, in tax year 2027. A filer counts it against the year's income tax.
- Token money
- The deposit, or bayana, a buyer pays to hold a property while the sale is completed. An agreement to sell usually lets the seller keep it if the buyer backs out, so pay it once the loan and the savings are certain.
Questions
Affordability questions
Still have a question?
Ask our team during Pakistan business hours, in English or Urdu.
+92 333 2466662Chat on WhatsAppHow much house can I afford in Pakistan?
Two things decide it: what your income can repay and what your savings can put down. Under SBP rules all your loan installments together may take up to 65% of your take-home pay, and banks usually lend up to 80% of a home's value, so the rest of the price and about 5% in taxes and fees come from savings. With Rs 300,000 a month take-home and Rs 40 lakh saved, at 15.43% over 20 years, the savings allow a home of Rs 1.6 crore and the income one of Rs 1.76 crore. The lower figure is the answer: Rs 1.6 crore, with a loan of Rs 1.28 crore at Rs 172,630 a month.
How much house loan can I get on a Rs 1 lakh salary?
On a take-home salary of Rs 1 lakh a month, a 65% limit leaves Rs 65,000 a month for installments, which repays a loan of about Rs 48.2 lakh over 20 years at 15.43%. At 80% of the price, that loan buys a home of about Rs 60.24 lakh, if you have about Rs 15.06 lakh saved for the 20% down payment and the fees. A car or personal loan installment comes off the Rs 65,000 first, and a bank may hold you to a lower limit.
Am I eligible for a home loan?
A bank checks four things. Your income: the new installment and any you already pay must fit within its debt burden limit, at most 65% of take-home under SBP rules. Your savings: it lends at most 90% of the value under SBP rules, and usually 70 to 80%, so you need the rest and the fees. Your record: a steady job or business for a set time and a clean credit history. The house: clear title and a valuation that supports the price. This calculator works out the first two; the bank checks the others when you apply.
What salary do I need for a Rs 1 crore house?
With 80% of the price lent, a Rs 1 crore home takes a loan of Rs 80 lakh. Over 20 years at 15.43% that is Rs 107,894 a month, which fits a 65% limit on a take-home of about Rs 166,000 a month, or about Rs 216,000 at a stricter 50%. You would also need about Rs 25 lakh saved: 20% down and about 5% in taxes and fees.
How much down payment do I need to buy a house?
SBP rules let a bank lend up to 90% of a home's value, but banks usually lend 70 to 80%, so plan on 20 to 30% down, plus about 5% of the price in taxes and fees. On the example's Rs 1.6 crore home that is Rs 32 lakh down and Rs 8 lakh in fees. The bank lends on its own valuation: if it values the house below the price, the gap comes from you as well.
Does a longer tenure let me buy a bigger house?
Only a little at today's rates. On Rs 300,000 a month take-home, the largest loan grows from Rs 1.45 crore over 20 years to Rs 1.48 crore over 25, because at 15.43% most of each installment is markup whatever the tenure. The markup over the life of the loan rises from Rs 3.23 crore to Rs 4.37 crore. More income or fewer other loans move the answer much more.
Can my spouse's income be added to get a bigger loan?
Yes. Banks accept a co-applicant, such as a spouse, and count both take-home incomes against the limit. On the figures above, another Rs 1 lakh a month adds about Rs 48.2 lakh to the loan the income carries, enough for a home about Rs 60.24 lakh dearer if the savings keep pace. Put the combined take-home in the calculator.
What taxes and fees are paid when buying a house?
About 5% of the price in all. The buyer pays advance tax under section 236K, 1.25% of the value for a filer on the Active Taxpayers' List and 10.5% for a non-filer up to Rs 5 crore, in tax year 2027; stamp duty, 1% in Punjab and Islamabad and 2% in Sindh; a transfer or TMA fee of about 1%; usually 1% commission to the agent; and with a loan, the bank's processing, valuation and legal fees. Confirm the figures with the FBR, the registrar and the bank before you pay.
Plan, price and build on Smart Construction
The construction ERP for Pakistani contractors, builders and developers: projects, estimates, billing, labour and site records in one place.
Call +92 333 2466662 during Pakistan business hours, or book online.