House Building Finance Corporation Limited
Mera Ghar Mera Ashiana — EMI Calculator & Loan Guide 2026
Calculate your exact monthly installment for a subsidized home loan through House Building Finance Corporation Limited. Tier-based markup rates: 5% (up to ₨2M) · 8% (up to ₨3.5M) · market rate above. Pakistan's only dedicated housing finance institution — specializing exclusively in home loans since 1952.
Apply Online at HBFCL →Loan Parameters
// adjust the sliders
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PKR · subsidized phase--
PKR · post-subsidy (KIBOR+3%)Outstanding Balance Over Time
// principal remaining after each year
Year-by-Year Amortization
// principal vs interest breakdown
| Year | Monthly EMI | Principal Paid | Interest Paid | Total Paid (Yr) | Closing Balance |
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Ready to Apply with House Building Finance Corporation Limited?
Submit your MGMA application directly through House Building Finance Corporation Limited. No processing fee, government-backed risk coverage, and subsidized markup rates.
- ✅ CNIC (Original + Photocopy)
- ✅ 3 months bank statements
- ✅ 6 months salary slips or business proof
- ✅ Property documents (if already identified)
- ✅ 2 passport-sized photographs
Informational portal. Loan approval subject to House Building Finance Corporation Limited’s assessment and SBP guidelines.