JS Bank Home Loan Calculator — JS GharApna Rates
What JS GharApna actually costs and covers, before you estimate an installment.
- 1Y KIBOR + 3%–4.25%
- Up to 80% LTV
- PKR 0.5M–100M
- Last Verified: 11 Sep 2026
JS GharApna, JS Bank's home financing product, prices at 1-Year KIBOR plus a bank margin reported between roughly 3% and 4.25% depending on the financing type, with a promotional fixed-rate option around 12.49% for up to 3 years. It finances up to 80% of a property's value, from PKR 500,000 to PKR 100 million, and covers purchase, construction, and renovation.
Because JS GharApna's markup is variable and linked to 1-Year KIBOR, your actual monthly installment moves with the benchmark rate over time — so any calculator estimate is only as current as the KIBOR figure you plug in.
JS GharApna at a Glance
| Feature | Detail |
|---|---|
| Markup Rate | 1-Year KIBOR + ~3% to 4.25% (varies by product/tenure) |
| Loan-to-Value (LTV) | Up to 80% |
| Financing Amount | PKR 500,000 to PKR 100 million |
| Financing Tenure | Up to 20–25 years (source-dependent) |
| Use Cases | Home purchase, construction, renovation, balance transfer, solar financing |
Rate ranges vary across JS Bank's own published sources (official product page vs. FAQ documents), reflecting different financing sub-types and time periods. Always confirm the exact current rate for your specific loan type directly with JS Bank.
JS GharApna Fees & Charges
| Ticket Size | Processing Fee (Conventional) |
|---|---|
| Up to Rs. 9,999,999/- | Rs. 10,000/- (upfront Rs. 5,000/-) |
| Rs. 10,000,000/- to Rs. 24,999,999/- | Rs. 12,000/- (upfront Rs. 7,000/-) |
| Rs. 25,000,000/- to Rs. 49,999,999/- | Rs. 15,500/- (upfront Rs. 9,000/-) |
| Rs. 50,000,000/- to Rs. 99,999,999/- | Rs. 18,000/- (upfront Rs. 5,000/-) |
| Rs. 100,000,000/- and above | Rs. 120,000/- (upfront Rs. 30,000/-) |
Processing fees are Nil under the Wazir e Azam Ghar Apna Program – Ghar Ho Tu Apna. Females, senior citizens, and PWDs get a 50% blanket discount on the stage-2 processing charge across all conventional slabs. Prepayment on full settlement runs 5% (year 1), 5.5% (year 2), 4% (year 3), 3.5% (year 4), 2.4% (year 5), and Nil from year 6 onward — with Nil prepayment/balloon charges under MPMG/GMSS/Wazir e Azam Ghar Apna Program. Late payment fee is Rs. 2,400/- per instance (JS Ghar Apna) or Rs. 1,500/- per instance (MPMG/Wazir e Azam Ghar Apna Program).
Fee figures confirmed from JS Bank's official Schedule of Charges, July–Dec 2026 edition, Consumer Lending §F (JS GharApna Home Loans). Charges are subject to change — confirm current fees with JS Bank.
What JS GharApna Covers
Beyond a standard home purchase loan, JS GharApna also finances home construction on your own plot, home renovation (including solar panel installation under a dedicated Solar Solution Financing option), and balance transfers from an existing home loan at another bank. Overseas Pakistanis can access a related product, Roshan Apna Ghar, through a Roshan Digital Account.
JS GharApna Instalment Calculator — With Full Payoff Schedule
JS GharApna's markup is 1-Year KIBOR plus a bank margin that varies by financing type — so the exact rate isn't fixed. Enter the property value, down payment, current 1-Year KIBOR (check SBP's KIBOR page), and your bank margin to estimate the monthly instalment — plus see exactly how the balance pays down year by year, something most home loan calculators don't show.
Purchase, construction or renovation value
JS GharApna finances up to 80% LTV
SBP offer rate, 19 Aug 2026 — check for the latest
Reported range: ~3% to 4.25%, varies by type
Reported up to 20–25 years
Year-by-Year Payoff Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|
Illustrative estimate only — not an official bank quotation. Assumes the rate (KIBOR + margin) stays constant for the full tenure; in reality it resets periodically with KIBOR. Excludes processing fee, property valuation, insurance, and legal charges.
How to Verify the Latest Information
This page was last verified on 11 Sep 2026. Figures and details around markup rates, eligibility, and required documents can change without notice, so before relying on anything here for a decision, cross-check it against JS Bank's official JS GharApna page — the authoritative, always-current source.
FAQs
What is JS GharApna's markup rate?
JS GharApna is priced at 1-Year KIBOR plus a bank margin in the range of roughly 3% to 4.25%, depending on the financing type, with a promotional fixed markup option reported around 12.49% for up to 3 years.
How much can I borrow through JS GharApna?
JS GharApna offers financing from a minimum of PKR 500,000 up to PKR 100 million, up to 80% of the property's loan-to-value, with tenures reported up to 20-25 years depending on the source.
Good For
- Understanding JS GharApna's rate structure before estimating payments
- Knowing the maximum loan-to-value JS Bank will finance
- Comparing purchase, construction, and renovation options
- Checking whether Roshan Apna Ghar applies to you as an overseas Pakistani
Ready to estimate your home loan?
Use JS Bank's own home loan calculator for a rate-accurate estimate.
For independent verification, see JS Bank JS GharApna Page, State Bank of Pakistan (for current KIBOR).