Apna Ghar Home Loan Calculator (Pakistan)

Independent repayment estimator for the government-subsidised Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna) home finance scheme.

Browser tool — no upload
Rs 47,517 a month
Rs 7,200,000Loan amount
Rs 800,000Your contribution
5% a year (first 10 years)Borrower rate
Rs 6,214,929Total markup
Rs 13,414,929Total you repay
Rs 64,274 a monthFrom year 11 (at your assumed rate)
Year-by-year schedule
YearPaidPrincipalMarkupBalance at year end
1Rs 570,202Rs 215,086Rs 355,115Rs 6,984,914
2Rs 570,202Rs 226,091Rs 344,111Rs 6,758,823
3Rs 570,202Rs 237,658Rs 332,544Rs 6,521,165
4Rs 570,202Rs 249,817Rs 320,385Rs 6,271,348
5Rs 570,202Rs 262,598Rs 307,604Rs 6,008,750
6Rs 570,202Rs 276,033Rs 294,169Rs 5,732,717
7Rs 570,202Rs 290,155Rs 280,046Rs 5,442,562
8Rs 570,202Rs 305,000Rs 265,201Rs 5,137,561
9Rs 570,202Rs 320,605Rs 249,597Rs 4,816,957
10Rs 570,202Rs 337,007Rs 233,194Rs 4,479,949
11Rs 771,291Rs 246,989Rs 524,302Rs 4,232,961
12Rs 771,291Rs 278,313Rs 492,978Rs 3,954,647
13Rs 771,291Rs 313,610Rs 457,681Rs 3,641,037
14Rs 771,291Rs 353,384Rs 417,907Rs 3,287,653
15Rs 771,291Rs 398,202Rs 373,089Rs 2,889,452
16Rs 771,291Rs 448,704Rs 322,587Rs 2,440,748
17Rs 771,291Rs 505,611Rs 265,681Rs 1,935,138
18Rs 771,291Rs 569,735Rs 201,557Rs 1,365,403
19Rs 771,291Rs 641,991Rs 129,300Rs 723,412
20Rs 771,291Rs 723,412Rs 47,879Rs 0
Status: the program was still running when we last checked on 25 October 2026 (the latest SBP circular letter on it is dated 14 September 2026). Rules change, so confirm with a participating bank.
After the 10 subsidised years the circular does not give a fixed rate, so the second-phase rate above is only your own assumption. Bank pricing for the program is one-year KIBOR plus 3%, and KIBOR changes. Ask your bank what applies to you.
Who can apply, in short: first-time homeowners who are Pakistani citizens with a CNIC and own no housing unit; since June 2026 overseas Pakistanis with NICOP/POC can also use the program. Since 14 September 2026 the own employees of banks, DFIs and microfinance banks are not eligible. Financing covers buying a house or flat, building on a plot you already own, or buying a plot and building. House up to 10 marla (2,720 sq ft) or flat up to 1,500 sq ft. Loan up to Rs 10 million, up to 20 years, 90:10 loan to equity. The circular states no processing cost and no prepayment penalty.
How the numbers are worked out: equal monthly installments on the reducing balance at the flat 5% borrower rate for the first 10 years (the subsidised period), and then at the rate you assume for the remaining years, recalculated on the balance left. Property assessment, insurance and other bank charges are not included. The bank decides eligibility and approval.

Toolysite is an independent calculator. It is not affiliated with or endorsed by the Government of Pakistan, the State Bank of Pakistan, the Ministry of Housing and Works or any bank, and it does not take applications. Results are estimates for planning and do not confirm eligibility, approval or final terms. Please check current rates, fees and conditions with a participating bank before you decide.

Sources: SBP SH&SFD Circular No. 03 of 2025 (scheme terms), SBP SH&SFD Circular Letter No. 01 of 2026 (Rs 10 million, flat 5%), SBP SH&SFD Circular No. 02 of 2026 (65% debt burden limit), SBP SH&SFD Circular Letter No. 03 of 2026 (overseas Pakistanis), SBP SH&SFD Circular Letter No. 05 of 2026 (bank staff not eligible)

About Apna Ghar Home Loan Calculator (Pakistan)

The Apna Ghar Home Loan Calculator estimates the monthly installment, total markup and total repayment for home finance under the Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna), the government markup-subsidy scheme run through banks. It applies the flat 5% borrower rate for the first 10 subsidised years, lets you enter an assumed bank rate for the remaining years, and checks your total monthly payments against the 65% debt burden limit set by the State Bank of Pakistan.

The rules come from SBP circulars (SH&SFD Circular No. 03 of 2025, Circular No. 02 of 2026 and Circular Letters No. 01, 03 and 05 of 2026), last checked on 25 October 2026. Toolysite is independent and is not affiliated with the government, the State Bank, the Ministry of Housing and Works or any bank; the estimate does not confirm eligibility or approval. Everything is calculated in your browser.

How to use Apna Ghar Home Loan Calculator (Pakistan)

  1. Enter the property price and your own contribution (at least 10%).
  2. Choose the repayment period (up to 20 years) and the bank rate you assume after the 10 subsidised years.
  3. Optionally add your monthly net income and other loan payments for the debt burden check.
  4. Read the monthly installment, the installment from year 11 and the year-by-year schedule, then confirm with a participating bank.

Help & FAQ

Which scheme is this?

The Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna), earlier called Mera Ghar Mera Ashiana, the government markup-subsidy and risk-sharing scheme for affordable housing finance run through banks, Islamic banks, microfinance banks and HBFCL.

What rate does the borrower pay?

A flat 5% a year. Since March 2026 the earlier second tier at 8% no longer applies and loans already taken at 8% are adjusted to 5%. The markup subsidy runs for 10 years of a loan of up to 20 years.

What is the maximum loan?

Rs 10 million (raised from Rs 3.5 million in March 2026), for a house up to 10 marla or a flat up to 1,500 sq ft, with 90% financing and at least 10% from you.

What happens after the 10 years of subsidy?

The circular says the subsidy is for 10 years and gives bank pricing as one-year KIBOR plus 3%. It does not state the rate after year 10, so this calculator lets you enter an assumed rate and shows the higher installment from year 11.

How were these rules checked?

On 25 October 2026 we read the State Bank of Pakistan circulars linked at the bottom of the tool: Circular No. 03 of 2025, Circular No. 02 of 2026 and Circular Letters No. 01, 03 and 05 of 2026. We found no notice that the program has closed.

Is this the exact installment my bank will quote?

No. It is an estimate from the published scheme terms. Banks assess the property and your income, can add charges and decide whether to approve a loan, so confirm everything with the bank.

Is my data safe?

Yes. This tool runs in your browser, so what you type or open stays on your device and is not uploaded to Toolysite.

Is anything saved?

Nothing you enter is saved on our servers. Only preferences such as favourites and recently used tools are kept in your browser.

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