New calculator estimates Apna Ghar loan eligibility from monthly salary

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A developer has built a free online calculator for Pakistan's Apna Ghar Scheme that begins with a borrower's income rather than the desired loan amount, reflecting how banks assess applications. The tool supports salaried and self-employed modes, lets users set the share of income devoted to installments, and offers 5 to 20 year tenures. It also checks whether a property price falls within the scheme limit and estimates post-year-10 installments. The developer says a sample salary of PKR 80,000 yields about PKR 4.5 million, matching a real approval for a friend, but the tool is only an estimate, with banks verifying documents, credit history and current scheme terms.

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