Standard Chartered Home Loan Calculator — Official Rates
Conventional Mortgage Loan and Saadiq Home Finance fees, both sourced from SCB's Schedule of Charges.
- Conventional Mortgage Loan
- Saadiq Home Finance
- Roshan Apna Ghar
The Standard Chartered home loan calculator context: SCB Pakistan offers both a conventional Mortgage Loan and a Shariah-compliant Saadiq Home Finance product, the latter priced with an early purchase price stepping down from 5.5% to 3.5% over the financing term.
Standard Chartered Pakistan's home financing actually splits into two distinct products: a conventional Mortgage Loan and a Shariah-compliant Saadiq Home Finance facility, plus Roshan Apna Ghar for overseas Pakistanis. This page lays out the real fees and pricing structure for each, sourced from SCB's official Schedule of Charges.
Conventional Mortgage Loan — Official Fees
| Item | Charge |
|---|---|
| Cheque Book Charges | Rs 20 per leaf |
| Annual Line Renewal Fee | Rs 1,750 |
| Prepayment Fee | 10% of outstanding balance |
| Property Insurance | 0.75% of loan amount |
| Life Insurance Cover | 0.75% of loan amount |
| Liquidated Damages (overdue) | 2% per month on overdue amount |
| Credit Protector (optional) | 0.35% of outstanding per month |
Confirmed from Standard Chartered Pakistan's official Conventional Schedule of Charges, 1 July – 31 December 2026.
Saadiq Home Finance — Official Fees
| Year | Early Purchase Price | Partial Purchase Price |
|---|---|---|
| Year 1 | 5.5% of outstanding | 5.5% of payment |
| Year 2 | 4.5% of outstanding | 4.5% of payment |
| Year 3 onward | 3.5% of outstanding | 3.5% of payment |
On top of that step-down pricing, Saadiq Home Finance carries a Rs 10,000 non-refundable processing fee, plus appraisal, stamp duty, and legal charges at actual, and Property and Life Takaful at the actual rate quoted by the Takaful company.
Confirmed from Standard Chartered Pakistan's official Saadiq Schedule of Charges, 1 July – 31 December 2026.
Roshan Apna Ghar for Overseas Pakistanis
Roshan Apna Ghar remains SCB's Shariah-compliant home financing solution specifically for Roshan Digital Account (RDA) and non-resident Pakistani (NRP) clients, using the same Saadiq-style diminishing ownership structure to let overseas Pakistanis finance property back home.
Home Affordability Calculator — What Could You Actually Borrow?
Most home loan calculators only work forwards — you pick a loan amount, they show you the instalment. This one works backwards: enter your income, and see what you could likely borrow, based on State Bank of Pakistan's actual debt-burden rule, not a guess.
Your Income & Existing Debts
Showing Rs. 350,000/month income as an example — edit the fields above and it updates instantly.
What You Could Likely Borrow
Fees You'd Also Pay — By Product
50% Debt Burden Ratio: State Bank of Pakistan's regulatory cap, applies bank-wide, not SCB-specific. Default rate built from SBP's published 1-Year KIBOR offer rate (12.16%, 20 August 2026) plus an illustrative 3% spread — not a quoted SCB rate. SCB does not publish a maximum loan-to-value percentage or fixed maximum tenure for home financing; this tool assumes neither. Last verified: August 23, 2026.
Which One Actually Costs Less?
Because Saadiq's early purchase price scale (5.5% → 4.5% → 3.5%) and the conventional Mortgage Loan's fee structure (annual line renewal, insurance, liquidated damages) aren't priced on the same basis, a direct percentage comparison is misleading — the honest way to compare them is a full cost-of-financing quote from SCB for your specific loan amount and tenure, factoring in both the periodic pricing and the fixed fees on each side.
Good For
- Comparing SCB's conventional Mortgage Loan fees against Saadiq Home Finance's step-down pricing
- Understanding why Saadiq's early purchase price falls each year of the financing term
- Getting the real processing, insurance, and penalty fees before applying
- Finding the RDA-specific Roshan Apna Ghar option for overseas Pakistanis
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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