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BankIslami Pakistan Limited

Mera Ghar Mera Ashiana — EMI Calculator & Loan Guide 2026

Calculate your exact monthly installment for a subsidized home loan through BankIslami Pakistan Limited. Tier-based markup rates: 5% (up to ₨2M) · 8% (up to ₨3.5M) · market rate above.

Apply Online at Bank Islami →
Shariah-Compliant Financing

BankIslami Pakistan Limited offers MGMA financing under Islamic Shariah principles — structured as Diminishing Musharakah (co-ownership) with no interest (Riba). The markup shown is the profit rate on the bank’s share of the property, not conventional interest. Approved by BankIslami Pakistan Limited’s Shariah Supervisory Board.

Loan Parameters

// adjust the sliders

PKR 50.00 L
10 L1 Cr
80%
60%90%
20 Years
1 Year20 Years
+ 3% Spread = 17%
Financing AmountPKR 40,00,000
Equity / Down PaymentPKR 10,00,000
Tenure (Months)240
TierTier 2
Profit Rate · 1st 10 Years5.00%
Spread (Fixed)3.00%
Profit Rate After 10 Years17.00%
Insurance Rate (Annual)0.025%
MONTHLY INSTALLMENT · YEAR 1–10

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PKR · subsidized phase
MONTHLY INSTALLMENT · YEAR 11–20

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PKR · post-subsidy (KIBOR+3%)
TOTAL PAID--
TOTAL PROFIT--
BALANCE @ YEAR 10--
PROFIT AS % OF LOAN--

Outstanding Balance Over Time

// principal remaining after each year

Subsidized Post-Subsidy

Year-by-Year Amortization

// principal vs profit breakdown

Year Monthly EMI Principal Paid Profit Paid Total Paid (Yr) Closing Balance

Ready to Apply with BankIslami Pakistan Limited?

Submit your MGMA application directly through BankIslami Pakistan Limited. No processing fee, government-backed risk coverage, and Shariah-compliant profit rates.

  • ✅ CNIC (Original + Photocopy)
  • ✅ 3 months bank statements
  • ✅ 6 months salary slips or business proof
  • ✅ Property documents (if already identified)
  • ✅ 2 passport-sized photographs
Apply Online at Bank Islami → ← Back to Full EMI Calculator

Informational portal. Loan approval subject to BankIslami Pakistan Limited’s assessment and SBP guidelines.