Home loan comparison and monthly instalment
Banks price home financing at KIBOR plus a margin, so the rate moves with the State Bank. The table is kept up to date by Homtiq from the banks' own pages; always confirm the current rate with the bank. Overseas Pakistanis can use Roshan Apna Ghar through a Roshan Digital Account.
| Bank / product | Type | Indicative rate | Max years | Min down payment |
|---|---|---|---|---|
| Meezan Bank (Easy Home) | Islamic | KIBOR + 3% (approx 14%) | 25 | 20% |
| HBL Home Loan | Conventional | KIBOR + 3.5% (approx 14.5%) | 20 | 20% |
| Bank Alfalah | Conventional / Islamic | KIBOR + 3% to 4% | 25 | 20% |
| Roshan Apna Ghar (overseas) | Islamic / Conventional | KIBOR + 1.5% (approx) | 25 | 15% |
Monthly instalment calculator
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