Program snapshotSubsidy phase 10 yearsIndicative rate 5.00%Max finance PKR 1 crorePost-subsidy KIBOR + 3%No prepayment penalty Yes
HOME FINANCE PLANNER

What does your home loan
actually cost over 20 years?

5% subsidized for the first 10 years. Then the rate resets. Most calculators hide the full repayment impact — we don't. Adjust any option to see the EMI, interest, balance, chart, and amortization schedule update instantly.

Try the calculatorTrack a loan you already have
MONTHLY PAYMENT · YEAR 1–1065,996PKR · subsidized phase
MONTHLY PAYMENT · YEAR 11–2096,609PKR · +46% vs first-phase EMI
TOTAL PAIDPKR 1.95 Cr
TOTAL INTERESTPKR 95.13 L
BALANCE @ YEAR 10PKR 62.22 L
INTEREST AS % OF LOAN95.1%

Outstanding Balance Over Time

// principal remaining after each year
SubsidizedPost-Subsidy
1.00 Cr75 L50 L25 L0Y0Y2Y4Y6Y8Y10Y12Y14Y16Y18Y20Rate Reset

Year-by-Year Amortization

// principal vs interest breakdown
YEARMONTHLY EMIPRINCIPAL PAIDINTEREST PAIDTOTAL PAID (YR)CLOSING BALANCE
Year 15% phase65,996298,731493,216791,9479,701,269
Year 25% phase65,996314,015477,932791,9479,387,254
Year 35% phase65,996330,080461,867791,9479,057,174
Year 45% phase65,996346,968444,979791,9478,710,206
Year 55% phase65,996364,719427,227791,9478,345,486
Year 65% phase65,996383,379408,568791,9477,962,107
Year 75% phase65,996402,994388,953791,9477,559,114
Year 85% phase65,996423,612368,335791,9477,135,502
Year 95% phase65,996445,284346,663791,9476,690,218
Year 105% phase65,996468,066323,881791,9476,222,152
Year 11post-subsidy96,609307,440851,8691,159,3105,914,712
Year 12post-subsidy96,609353,354805,9561,159,3105,561,358
Year 13post-subsidy96,609406,124753,1851,159,3105,155,233
Year 14post-subsidy96,609466,776692,5341,159,3104,688,457
Year 15post-subsidy96,609536,485622,8241,159,3104,151,972
Year 16post-subsidy96,609616,605542,7051,159,3103,535,367
Year 17post-subsidy96,609708,690450,6201,159,3102,826,677
Year 18post-subsidy96,609814,527344,7821,159,3102,012,150
Year 19post-subsidy96,609936,170223,1391,159,3101,075,980
Year 20post-subsidy96,6091,075,98083,3301,159,3100
01

How the subsidy works

Your initial EMI uses the subsidized markup rate for up to ten years, keeping early payments lower.

02

What changes in Year 11

The remaining balance is re-amortized at your assumed market rate, modelled here as KIBOR plus 3%.

03

Why prepayment matters

Extra payments reduce principal before the rate reset, saving interest and potentially shortening the loan.