Home Loan / Mortgage Calculator

PKR
PKR
%
years
Finance Updated 16 Jun 2026

Home Loan / Mortgage Calculator is a financial calculator that helps you calculate loan or mortgage payment amounts and total repayment cost. The formula used is: Loan = Property Price − Down Payment\nEMI = Loan × r × (1+r)^n / ((1+r)^n − 1)\nLTV = Loan / Property Price × 100. Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).

Formula

Loan = Property Price − Down Payment EMI = Loan × r × (1+r)^n / ((1+r)^n − 1) LTV = Loan / Property Price × 100

Example Calculation

Inputs
  • Property Price (PKR): 8000000 PKR
  • Down Payment (PKR): 1600000 PKR
  • Annual Interest Rate: 22 %
  • Loan Tenure: 20 years

Suppose you enter: Property Price (PKR) = 8000000, Down Payment (PKR) = 1600000, Annual Interest Rate = 22, Loan Tenure = 20. The calculator applies the formula (Loan = Property Price − Down Payment\nEMI = Loan × r × (1+r)^n / ((1+r)^n − 1)\nLTV = Loan / Property Price × 100) and shows all output values below. Change any input field to immediately see how the result changes.

Frequently asked questions

What is the Home Loan / Mortgage?
The Home Loan / Mortgage Calculator is a financial calculator that helps you calculate loan or mortgage payment amounts and total repayment cost. Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).
When should I use this calculator?
Use this calculator whenever you need a quick, accurate result for loan or mortgage payment amounts and total repayment cost without working through the arithmetic manually.
What units should I enter?
Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).
How accurate are the results?
Assumes constant rates, no additional fees, and no tax unless stated. Actual outcomes vary with market conditions.
How do I interpret the result?
Compare against your financial goals or market benchmarks. A higher figure may mean greater cost or greater return depending on context.
How can I verify the calculation manually?
Use the displayed formula and work through the numbers step by step. If your manual result differs slightly, check rounding and unit conversions first.
Can I use this for planning and budgeting?
Yes. Run best-case, expected, and worst-case inputs to compare outcomes and make safer planning decisions.