UBL Home Loan Calculator (UBL Address)

Most UBL home loan calculators only show the monthly instalment. This one also checks something almost nobody explains: UBL Address gives you a specific fee-free window for partial prepayments (min Rs 50,000, up to 15% of outstanding principal per year) — go over it, and charges kick in.

Loan Details

Loan Amount Required (Rs.)

UBL Address has a minimum loan size of Rs 1,000,000.

Enter a loan amount of at least Rs 1,000,000 (UBL Address minimum).

Tenure (years)

UBL Address tenure ranges from 3 to 20 years, per UBL's official Address FAQ.

Applicant Segment

Margin over KIBOR differs by segment — salaried gets a lower spread.

Current 1-Year KIBOR (% p.a.)

Prefilled from SBP's official 1-Year KIBOR offer rate, 20 Aug 2026 (sbp.org.pk). This floating rate revises annually from your loan booking date — check the current rate before applying and edit this field.

UBL Address Markup Rate (computed)

KIBOR + margin —

Margin is fixed by UBL: Salaried gets KIBOR + 3.5%; SEB/SEP gets KIBOR + 4%.

Processing Fee Type

Showing an Rs. 8,000,000 loan as an example — edit the fields above and it updates instantly.

True Total Cost — Not Just the Monthly Number

Total Cost of Financing (full tenure)

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Monthly Instalment—

Loan Amount—

Total Markup Paid (over tenure)—

UBL Processing Fee (one-time, SOC-verified)—

Property InsuranceRs. 0 — premium borne by UBL

⚡ The Detail Every Other Calculator Misses: Is Your Prepayment Actually Free?

UBL Address allows partial prepayments without extra charges — but only within a specific window: a minimum of Rs 50,000, and up to 15% of your outstanding principal per year. Go beyond that, and partial payoff charges apply. Full early settlement carries its own separate pre-payment charge that UBL's published schedule doesn't break out with full confidence — confirm that figure with your branch directly.

You're this many months into the loan

Partial payment amount you're considering (Rs.)

Outstanding Principal at that point—

Your Free Allowance (15% of outstanding)—

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

Fee Data & Sources

Minimum loan size, markup margins by segment, processing fees, and the free partial-prepayment allowance (min Rs 50,000, max 15% of outstanding principal) are taken from UBL's official Schedule of Bank Charges, effective 1 July – 31 December 2026, Consumer Banking Section E(i) UBL Address, cross-checked against UBL's official "FAQs for UBL Address" document (ubldigital.com), which independently confirms the same 15% partial-payment threshold.

Tenure (3–20 years) is confirmed from UBL's official "FAQs for UBL Address" document. Property insurance being premium-free to the customer is confirmed from the same source.

The 1-Year KIBOR default (12.16%) is the offer rate published by the State Bank of Pakistan for 20 August 2026 (sbp.org.pk/ecodata/kibor_index.asp). KIBOR changes daily — always check the current rate before relying on this calculator.

Full early-settlement (as opposed to partial prepayment) charges are listed in UBL's Schedule of Charges but could not be attributed with full confidence during sourcing — this calculator deliberately does not state a full-settlement percentage. Confirm that figure directly with UBL before settling a loan in full.

Last verified: August 22, 2026. Bank charges and rates change — always confirm with UBL directly before making a financial decision.

Independent estimate — not an official UBL calculator. PakFinHub is not affiliated with United Bank Limited.

Financing a car instead of a home? Try the UBL Car Loan Calculator.