Compare Now
About Us Contact Us Updates Discounts Compare Now
Wazir-e-Azam Apna Ghar Program — Govt. Subsidized

Apna Ghar Program Calculator

Most coverage of this scheme stops at "5% markup" and leaves it there. This calculator shows both halves: the subsidized 5% instalment for the first 10 years, and what actually happens in year 11 when the rate switches to 1-Year KIBOR + 3% — a jump that's easy to miss until it hits your instalment.

Financing Details

Capped at Rs. 10 Million under this scheme. At the fixed 90:10 loan-to-value ratio, your down payment is automatically 1/9th of this amount.
Enter a loan amount up to Rs. 10,000,000.
Maximum 20 years under this scheme, with the 5% subsidy applying only to the first 10.
Only needed if your tenure is over 10 years. Sindh Bank's post-subsidy rate is 1-Year KIBOR + 3% — check the current figure on the KIBOR Rates page, since it moves periodically and isn't fixed like the 5% subsidy rate.

Your Instalment, Both Phases

Years 1–10 — Subsidized Rate (Flat 5%)

Monthly Instalment—
Total Paid, This Phase—
Down Payment (10%)
—

No personal or financial account information is required. This tool runs entirely in your browser.

Fee Data & Sources

The scheme's core terms — flat 5% end-user markup for the first 10 years, 1-Year KIBOR + 3% from year 11 onward, Rs. 10 million maximum financing, 90:10 loan-to-value ratio, up to 20-year tenure, and no processing cost or prepayment penalty — are set at the government/SBP program level under SH&SFD Circular No. 03 of 2025, so they apply consistently across every participating bank, not just Sindh Bank. Confirmed consistently across multiple participating banks' official program pages.

This calculator models the loan as a standard step-rate reducing-balance facility: Phase 1 instalment is calculated by amortizing the full loan amount at 5% over your selected tenure; at the 10-year mark, the outstanding balance is re-amortized over the remaining tenure at the KIBOR+3% rate you enter. Actual bank calculation methodology may differ slightly — confirm your exact figures with Sindh Bank before applying.

Last verified: August 31, 2026. Program terms are government-set but can change — always confirm current details with Sindh Bank or the scheme's official portal before applying.

Independent estimate — not an official Sindh Bank calculator. PakFinHub is not affiliated with Sindh Bank Limited or the State Bank of Pakistan.

For example, a Rs. 9,000,000 loan over 20 years at the subsidized 5% rate carries a monthly instalment of roughly Rs. 59,396 during the first 10 years.

← Back to Wazir-e-Azam Apna Ghar Program