The short answer
The property price you can afford is the largest loan your safe monthly EMI can service plus the savings you can put down. With a PKR 2.5 lac monthly income and a 40% EMI limit, the maximum EMI is PKR 1 lac; the calculator converts that into a loan amount at your rate and tenure and adds your savings, less a cash reserve.
How affordability is worked out
- Maximum EMI = monthly income × the share you are comfortable spending − existing EMIs.
- Maximum loan = the loan that EMI repays at your interest rate and tenure.
- Usable savings = savings minus the reserve you keep for emergencies.
- Affordable price = maximum loan + usable savings.
Remember the costs on top of the price
Transfer taxes, stamp duty, society transfer fees and commission come on top of the purchase price — use the Transfer Taxes & Fees tool to estimate them. If you are building, also budget for approvals and utility connections.
Buying without a loan
The “cash only” figure shows what you can buy outright today. An instalment plan from a developer can bridge the gap without a bank.
How to use the affordability
- 1Enter your monthly household income and any existing EMIs.
- 2Choose the maximum share of income for the new EMI.
- 3Enter your savings and how much of them to keep in reserve.
- 4Enter the financing rate and tenure you expect.
- 5Read the affordable price with finance and with cash only.
Frequently asked questions
+How much house can I afford in Islamabad on my salary?
Work out the EMI you can comfortably pay (often 30–40% of income), convert it into a loan amount at your bank’s rate and tenure, and add the savings you can put down. The calculator does this in one step.
+How much down payment do I need?
Banks and developers commonly ask for 15–30% down. Keep extra cash for transfer taxes and fees, which come on top.
+Should I keep savings in reserve?
Yes — keeping a few months of expenses aside protects you from missing instalments if income is interrupted.