Mera Pakistan Mera Ghar — Installment Calculator
Estimate your home-finance installment under Mera Pakistan Mera Ghar or standard financing. Free, no signup.
About the scheme
Mera Pakistan Mera Ghar (MPMG) was a government-markup-subsidy housing scheme run with the State Bank of Pakistan, offering subsidized markup tiers on home financing for first homes. Scheme terms and availability have changed over time — confirm the current status and rates with SBP and participating banks (Meezan, HBL, Bank Alfalah and others) before applying.
How to estimate your installment
Whether under a subsidized scheme or standard financing, your monthly installment uses the reducing-balance formula. Enter your financed amount, the applicable markup rate, and tenure in the Pakistan home loan calculator to see your EMI and total markup.
| Type | Indicative markup | Tenure |
|---|---|---|
| Subsidized scheme tiers (when available) | ≈ 3–9% (tiered) | up to 20 years |
| Standard home financing | ≈ 15–17% (SBP + markup) | up to 25 years |
Indicative figures — verify the current scheme and bank rates before deciding.
Frequently Asked Questions
What is Mera Pakistan Mera Ghar?
A government housing-finance scheme (with the State Bank of Pakistan) that offered subsidized markup tiers on first-home financing through participating banks. Terms and availability have changed — confirm the current status with SBP and banks.
What markup rate applies?
Subsidized tiers were well below standard rates (single-digit in early years), versus ~15–17% for standard home financing. Check the latest scheme terms with your bank.
How is the monthly installment calculated?
Using the reducing-balance formula on the financed amount at the applicable markup. Enter your numbers in the Pakistan home loan calculator for an estimate.
Is Islamic (Shariah-compliant) financing available?
Yes — participating Islamic banks such as Meezan offer Shariah-compliant home financing structures alongside conventional options.