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Eminent EnterprisesReal Estate Solutions

Mortgage Calculator

Estimate your monthly instalment and see how much of each payment goes toward principal versus markup over the life of the loan. Figures are indicative — confirm exact terms with your bank or Islamic finance provider before making a decision.

20%

Bank presets are indicative placeholders, not real institution names or offers. Enter your bank's actual quoted rate for a more accurate estimate.

Indicative figures — not a loan offer

This calculator uses a standard reducing-balance amortisation formula against the markup rate you enter or select. It doesn't account for processing fees, insurance, or eligibility checks. Actual bank offers depend on your eligibility and the lender's current published rates — verify with your bank or Islamic finance provider before making a decision.

Monthly Instalment

PKR 2.06 Lakh/month

Total Markup Paid

PKR 2.51 Crore

Total Amount Paid

PKR 3.71 Crore

Principal vs Markup, by Year

Each bar is one year of instalments. Early years lean markup-heavy; later years lean principal-heavy — typical of reducing-balance amortisation.

Chart shows yearly principal and markup composition of your instalments. Exact figures are in the schedule table below.

Principal Markup

Amortisation Schedule

YearPrincipal PaidMarkup PaidEnding Balance
1PKR 1.49 LakhPKR 23.27 LakhPKR 1.19 Crore
2PKR 1.81 LakhPKR 22.95 LakhPKR 1.17 Crore
3PKR 2.19 LakhPKR 22.57 LakhPKR 1.15 Crore
4PKR 2.66 LakhPKR 22.1 LakhPKR 1.12 Crore
5PKR 3.23 LakhPKR 21.53 LakhPKR 1.09 Crore
6PKR 3.92 LakhPKR 20.84 LakhPKR 1.05 Crore
7PKR 4.75 LakhPKR 20.01 LakhPKR 99.96 Lakh
8PKR 5.77 LakhPKR 18.99 LakhPKR 94.19 Lakh
9PKR 7 LakhPKR 17.76 LakhPKR 87.19 Lakh
10PKR 8.49 LakhPKR 16.27 LakhPKR 78.7 Lakh
11PKR 10.3 LakhPKR 14.46 LakhPKR 68.4 Lakh
12PKR 12.5 LakhPKR 12.26 LakhPKR 55.9 Lakh
13PKR 15.17 LakhPKR 9.59 LakhPKR 40.74 Lakh
14PKR 18.4 LakhPKR 6.36 LakhPKR 22.33 Lakh
15PKR 22.33 LakhPKR 2.43 LakhPKR 0