Compare government schemes and bank products. Calculate your EMI in seconds.
Rates are indicative. Verify current rates directly with your bank or SBP.
5%
Lowest Rate
MPMG scheme
25 yrs
Max Tenure
HBL / Alfalah
Rs 5 Cr
Max Finance
Meezan / HBL
8+
Schemes Covered
govt & bank products
State Bank of Pakistan
Subsidised mark-up for first-time buyers across Pakistan
Rate
5% – 7%
Max Loan
Rs 27 lac – 65 lac
Tenure
20 years
Apply via: MCB, HBL, Meezan, Askari, Bank of Punjab & other SBP-approved banks
HBFC / Provincial Govts
Affordable housing for low and middle income families
Rate
5% – 9%
Max Loan
Rs 15 lac – 30 lac
Tenure
15 years
Apply via: HBFC branches, Bank of Punjab, and provincial housing authorities
Estimate your monthly installment instantly
Monthly EMI
Rs 35,822
for 20 years · 240 installments
Principal
Rs 50.0 Lac
Total Interest
Rs 36.0 Lac
Total Payable
Rs 86.0 Lac
Interest Share
42%
Indicative only. Excludes fees, insurance, and taxes. Verify with your bank.
House Building Finance Company
Rate
KIBOR + 2%
Approx.
~19%
Max Loan
Rs 2 Crore
Tenure
20 yrs
Down Payment
20–30%
Processing
1% of loan
Meezan Bank
Rate
KIBOR + 1.5%
Approx.
~18.5%
Max Loan
Rs 5 Crore
Tenure
20 yrs
Down Payment
15–20%
Processing
0.5% of finance
Habib Bank Limited
Rate
KIBOR + 2.5%
Approx.
~19.5%
Max Loan
Rs 5 Crore
Tenure
25 yrs
Down Payment
20%
Processing
1% of loan
MCB Bank
Rate
KIBOR + 2%
Approx.
~19%
Max Loan
Rs 3 Crore
Tenure
20 yrs
Down Payment
20–30%
Processing
1% of loan
Bank of Punjab
Rate
KIBOR + 1.75%
Approx.
~18.75%
Max Loan
Rs 2 Crore
Tenure
20 yrs
Down Payment
20%
Processing
0.5% of loan
Bank Alfalah
Rate
KIBOR + 2%
Approx.
~19%
Max Loan
Rs 5 Crore
Tenure
25 yrs
Down Payment
20%
Processing
1% of loan
The typical process takes 4–8 weeks from application to disbursement.
Choose a product
Compare rates above. Government schemes offer the lowest mark-up for first-time buyers.
Gather documents
CNIC, salary slips or tax returns (self-employed), 6–12 month bank statements, and property docs.
Bank assessment
The bank evaluates your income, credit history, and commissions a property valuation.
Disbursement
Funds go directly to the seller. Your monthly EMI repayment begins the following month.
Browse thousands of verified listings across Pakistan.
