Apna Ghar Home Loan Calculator
Monthly installment under the government’s subsidized housing program (Wazir-e-Azam Apna Ghar / Mera Pakistan Mera Ghar) — for first-time homebuyers in Pakistan.
Monthly installment
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Bank finances
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Total markup paid
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Program snapshot (2026 reporting): loans up to PKR 10 million · 5% fixed markup for the first 10 years, then 1-year KIBOR + 3% · tenure up to 20 years · 90:10 financing (10% down) · first-time buyers with valid CNIC · no processing fee & no prepayment penalty reported · all commercial & Islamic banks participate.
Tiers and rates have changed before (income-based 2–6% slabs were reported in some 2026 updates). Confirm the live tier, rate and eligibility with your bank or SBP before applying — this calculator is an estimate, not an offer.