Quick Answer: Use the calculator below to find your exact monthly installment for any PM Apna Ghar Programme loan slab. At the official 5% fixed markup, a Rs 2.5 million loan over 20 years comes to Rs 16,499/month, a Rs 5 million loan to Rs 32,997/month, a Rs 7.5 million loan to Rs 49,497/month, and the maximum Rs 10 million loan to Rs 65,996/month. Adjust the slider below to see numbers for any amount and any tenure.
If you're considering applying for the PM Apna Ghar Programme launched by Prime Minister Shehbaz Sharif on 30 April 2026, the most important question isn't how much can I borrow, it's what will the monthly installment actually do to my budget. With a 20-year mortgage, a small change in tenure or markup rate can mean tens of thousands of rupees difference in monthly outflow.
This calculator uses the exact formula the State Bank of Pakistan and participating banks use to compute installments under the Apna Ghar scheme. The numbers it produces match the figures officially published by the Prime Minister's Office on launch day, verified to the rupee. Use it to plan your application, choose the right loan slab, and avoid surprises after disbursement.
Apna Ghar Loan Scheme Calculator (Live Tool)
How Each Loan Slab Looks at the Official 5% Markup
These are the four official loan slabs published by the Prime Minister's Office on launch day. Numbers are calculated using the exact mortgage amortization formula and verified against figures announced at the 30 April 2026 launch ceremony.
| Loan Amount | Tenure | Monthly Installment | Total Repaid (20 yrs) | Total Markup |
|---|---|---|---|---|
| Rs 2,500,000 | 20 years | Rs 16,499 | Rs 3,959,761 | Rs 1,459,761 |
| Rs 5,000,000 | 20 years | Rs 32,997 | Rs 7,919,521 | Rs 2,919,521 |
| Rs 7,500,000 | 20 years | Rs 49,497 | Rs 11,879,282 | Rs 4,379,282 |
| Rs 10,000,000 | 20 years | Rs 65,996 | Rs 15,839,043 | Rs 5,839,043 |
These figures assume the 5% subsidised rate holds for the full 20 years. In reality, only years 1,10 are guaranteed at 5%. Years 11,20 will reset to 1-year KIBOR + 3%, which depends on what KIBOR is at that point. If KIBOR is 11% in 2036, your bank rate becomes 14%, significantly higher than 5%.
How Tenure Changes Your Monthly Installment
Choosing a shorter tenure means a higher monthly payment but much less total markup paid. Here's how a Rs 5 million loan at 5% looks across different tenures:
| Tenure | Monthly Installment | Total Repaid | Total Markup |
|---|---|---|---|
| 5 Years | Rs 94,357 | Rs 5,661,381 | Rs 661,381 |
| 10 Years | Rs 53,033 | Rs 6,363,937 | Rs 1,363,937 |
| 15 Years | Rs 39,529 | Rs 7,115,166 | Rs 2,115,166 |
| 20 Years | Rs 32,997 | Rs 7,919,521 | Rs 2,919,521 |
The trade-off is clear: a 5-year tenure on Rs 5M costs Rs 94,357/month, affordable only on a high salary, but you save Rs 2.26 million in markup vs the 20-year tenure. If you can afford a higher monthly payment, shorter tenure is dramatically cheaper overall.
Comparing PM Apna Ghar Markup vs Commercial Bank Rates
This is the real story of why the PM Apna Ghar Programme matters. A Rs 5 million home loan at 5% (subsidised) vs typical commercial bank rates of 17,22%:
| Markup Rate | Monthly Installment (Rs 5M, 20 yrs) | Total Markup over 20 Years |
|---|---|---|
| 5% (PM Apna Ghar) | Rs 32,997 | Rs 2.92 million |
| 12% (Pre-2024 government schemes) | Rs 55,054 | Rs 8.21 million |
| 17% (Commercial bank) | Rs 73,419 | Rs 12.62 million |
| 22% (Premium commercial) | Rs 92,470 | Rs 17.19 million |
The subsidy saves you roughly Rs 9.7 million over 20 years vs taking the same loan from a commercial bank at 17%. That's the actual financial value of the federal government's markup subsidy, and it's why the programme is being called the most accessible housing scheme in over a decade.
Don't Forget: The 10% Equity You Need Upfront
The federal scheme has a strict 90:10 financing ratio. The bank lends 90% of the property value, and you must contribute 10% as equity. This is non-negotiable, it's the single biggest reason applications get rejected at the verification stage.
Here's how much equity you need ready in your bank account before applying:
| Loan Slab | Property Value (approx) | 10% Equity You Must Show | Total Cost (Loan + Equity) |
|---|---|---|---|
| Rs 2.5M loan | Rs 2.78 million | Rs 277,778 | Rs 2.78M |
| Rs 5M loan | Rs 5.56 million | Rs 555,556 | Rs 5.56M |
| Rs 7.5M loan | Rs 8.33 million | Rs 833,333 | Rs 8.33M |
| Rs 10M loan | Rs 11.11 million | Rs 1,111,111 | Rs 11.11M |
The equity must be visible in your bank statement at the time of application. Banks typically want to see this amount sitting in your account for at least 3 months before applying, recent large deposits raise red flags about source of funds.
How the Calculator Math Actually Works
If you want to know what's happening under the hood, the calculator uses the standard amortization formula that every mortgage in the world is built on:
M = P × [ r(1+r)^n ] / [ (1+r)^n − 1 ]Where:
- M = Monthly installment
- P = Principal (loan amount)
- r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = Total number of months (years × 12)
Plugging the official Rs 2.5 million / 5% / 20-year scenario:
- P = 2,500,000
- r = 5% ÷ 12 ÷ 100 = 0.004167
- n = 240 months
- M = 2,500,000 × [0.004167 × (1.004167)^240] / [(1.004167)^240 − 1]
- M = Rs 16,499
This matches the figure announced by the Prime Minister's Office to the rupee.
Apni Chhat Apna Ghar (Punjab) Calculator, Different Math
The Punjab interest-free scheme uses a much simpler calculation because there is no markup. You repay only what you borrowed:
| Loan Amount | Tenure | Monthly Installment |
|---|---|---|
| Rs 1,000,000 | 7 years | Rs 11,905 |
| Rs 1,500,000 (max) | 7 years | Rs 17,857 |
| Rs 1,500,000 (max) | 9 years | Rs 13,889 |
Most ACAG approvals come in around Rs 14,000 monthly installment with 7-year tenures because PHATA structures the disbursement so the monthly burden roughly matches typical urban rent. With zero interest, every rupee you pay reduces the principal directly, there's no markup compounding to worry about.
When Should You Choose a Shorter Tenure?
Run the calculator at different tenures before submitting your application. Here are three rules of thumb our research keeps confirming:
Rule 1: Match the tenure to your career horizon. If you're 35 with 25 working years left, a 20-year tenure makes sense. If you're 50 with retirement at 60, a 10-year tenure is wiser, finish the loan before income drops.
Rule 2: The 28% rule. Your total housing cost (loan installment + maintenance + utilities) should ideally not exceed 28% of your monthly gross income. Use the calculator to find a tenure where the installment lands within that ratio.
Rule 3: Account for the year-11 markup reset. Many applicants forget that the 5% rate is only fixed for 10 years. If KIBOR is high in 2036, your year-11 installment could jump 30,50%. Choose a tenure where you can comfortably afford a higher payment in years 11,20, or plan to prepay the loan before year 11. The federal scheme has zero prepayment penalty, which is a major advantage.
Frequently Asked Questions
The installment is calculated using the standard mortgage amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1]. The State Bank of Pakistan and participating banks use this exact formula. Our calculator above produces results identical to the official PMO figures.
At the official 5% markup over 20 years, a Rs 5 million loan has a monthly installment of Rs 32,997. Over 10 years, the same loan would cost Rs 53,033/month. The shorter the tenure, the higher the monthly but the lower the total markup paid.
Yes. The 5% markup is government-subsidised and fixed only for years 1,10. From year 11 to year 20, your bank charges 1-year KIBOR + 3%, which floats with market rates. If KIBOR is high at that point, your installment could rise significantly.
The calculator uses the same formula banks use. The output for the 5% rate matches official PMO figures to the rupee. However, your actual bank may add small administrative charges (insurance, valuation fees) that aren't reflected in the basic installment math.
For a Rs 10 million loan, the bank covers 90% of the property value (~Rs 11.11M), and you must contribute the 10% equity of approximately Rs 1.11 million. The equity must be visible in your bank statement before applying.
Yes, and there is no prepayment penalty under the PM Apna Ghar Programme. If you receive a bonus, sell another asset, or your salary increases, you can prepay any portion of the principal and reduce future markup substantially. This is one of the strongest features of the scheme.
Commercial banks in Pakistan currently charge 17,22% for housing loans. The PM Apna Ghar Programme's 5% rate represents a saving of roughly Rs 9.7 million in markup over 20 years on a Rs 5 million loan compared to a commercial bank at 17%.
The federal scheme's smallest official slab is Rs 2.5 million. For loans below that, look at the Punjab Apni Chhat Apna Ghar scheme which goes up to Rs 1.5 million interest-free, or specific bank products like Allied Bank's Roshan Apna Ghar for NRPs.
No, and there are no processing fees under the PM Apna Ghar Programme by design. The Prime Minister has confirmed there are no application fees, processing fees, or upfront costs. Some banks may charge for property valuation (Rs 25,000,50,000 for loans above Rs 5M), which is paid separately.
For ACAG, set the markup rate slider to 0% to mimic the interest-free Punjab scheme, then enter your loan amount (max Rs 1.5M) and tenure (5,9 years). The calculator will show your real monthly burden with no markup added.
Some banks add insurance premiums, account maintenance fees, or property valuation costs into the monthly installment calculation. These are not part of the loan markup itself, they are separate add-ons. Always ask the bank for an itemised installment breakdown.
No. The calculator shows nominal monthly installments in today's rupees. Over 20 years, inflation will reduce the real burden of fixed-rate installments, Rs 32,997/month feels heavy today but will feel relatively small by 2046 due to currency depreciation.
Final Word: Run the Numbers Before You Apply
The PM Apna Ghar Programme genuinely is the most affordable federal housing finance Pakistan has offered in over a decade. But "affordable" means different things at different income levels, what's manageable at Rs 200,000 monthly income is crushing at Rs 70,000.
Before you click submit on your application, use the calculator to:
- Test multiple loan slabs to find the one that fits your actual budget
- Compare 10-year vs 20-year tenures to see total markup impact
- Verify that the 10% equity is achievable in your current savings
- Stress-test by setting the markup to 12% to see what year 11,20 might look like
A 30-minute session with this calculator could save you years of financial stress. Apply with eyes open.
Federal portal: apnaghar.gov.pk Punjab portal (interest-free option): acag.punjab.gov.pk Toll-free helpline: 0800-09100
Read our companion guides:
- PM Apna Ghar Programme, Complete Guide, Loan Slabs & Eligibility
- PM Apna Ghar vs Apni Chhat Apna Ghar, Which One Should You Apply For?
- Apna Ghar Online Registration 2026, Form, Last Date & Login
- Apna Ghar Required Documents Checklist
Disclaimer: This calculator is informational only and does not constitute financial advice. Actual installments offered by participating banks may vary slightly due to insurance, valuation, and account fees. Always verify final installment terms with your chosen bank before signing the loan agreement. Calculator formula and slab figures verified against PM Office press release (30 April 2026) and SBP SH&SFD Circular No. 03 of 2025.
