Projected home equity
Property value minus projected secured debt
Pakistan · PKR
Work Out Your Home's Value After Outstanding Borrowing
Estimate how much of your property you own, usable equity at a target LTV and the effect of a top-up or property-backed finance.
Property-value sensitivity
Estimated equity after proposed borrowing and immediate home-loan paydown
| Value change | Property value | Secured debt | Home equity | Equity percentage | Combined LTV |
|---|
Year-by-year equity projection
Uses your entered property-growth and home-loan-paydown assumptions
| Year | Property value | Existing secured debt | New borrowing | Total debt | Home equity | Combined LTV |
|---|
Planning estimate only—not a valuation, credit decision or commitment to lend. A lender assesses income, expenses, credit, loan purpose, property, valuation and serviceability. Borrowing secured against your home puts the property at risk if repayments are not made.
Measure equity before considering additional finance
Home equity here means estimated property value minus the entered outstanding secured balances. A Rs 1.2 crore home with Rs 70 lakh of secured debt shows Rs 50 lakh of estimated equity before any selling costs. This is a planning measure of net value, not an approved amount that can be withdrawn.
Apply a target to estimate borrowing room
At an illustrative 70% target, that property supports Rs 84 lakh of total planning debt. After Rs 70 lakh already owed, the model shows Rs 14 lakh of indicative room. The personal equity cushion provides a separate limit and may be stricter or more flexible than the target. Valuation, income, permitted purpose and bank criteria can reduce the amount actually available.
Understand the simplified annual projection
Existing secured debt falls by the fixed annual principal‑paydown amount entered. A new repayment loan decreases in equal annual principal steps across its term, rather than following the amortisation schedule used to estimate its monthly payment. In interest‑only mode, new principal remains outstanding. Immediate paydown and one‑off value changes apply to the separate scenario, not to the annual projection.
Use product‑specific figures for Islamic finance
For a diminishing Musharakah arrangement, obtain the institution’s outstanding share or settlement figure and unit‑purchase schedule. This generic debt‑and‑value model does not establish your legal ownership share, contractual rent or Shariah compliance. Percentage and fixed costs reduce estimated proceeds rather than increasing the new principal. Neither the repayment nor interest‑only illustration confirms that a corresponding product is available.
Pakistan home equity calculator questions
Can I borrow the whole equity amount?
The model does not assume that. It applies your selected target before deducting secured balances, and bank approval may be lower.
Is the annual projection an amortisation schedule?
No. It uses fixed annual paydown for existing debt and straight-line principal reduction for new repayment borrowing.
Does the tool calculate my Musharakah ownership share?
No. Use the bank’s contractual share, settlement and unit-purchase figures. The result is a generic value-minus-balances estimate.
Are fees financed automatically?
No. They are deducted from proposed borrowing to estimate net proceeds.
Does interest-only mode repay principal?
No. The new principal remains outstanding in the projection and must eventually be repaid separately.