Pakistan · PKR

Estimate Your Property Financing Ratio

Calculate home-loan LTV, combined secured exposure and home equity, then test proposed borrowing against an editable target.

Current property and secured debt

Rs
Use the relevant lender valuation or a realistic estimate
Rs
Rs
Rs
Rs
Used for the sanctioned-exposure ratio

Proposed borrowing scenario

Rs
Rs
%
Editable planning target—not an approval limit
The proposal is compared with an editable 80% LTV target. SBP prudential treatment and lender criteria can vary by loan amount, institution and purpose.

Property-value sensitivity

How proposed combined LTV changes if the lender-accepted value differs

Value changeProperty valueProposed secured debtCombined LTVHome equityEquity percentage

Planning estimate only—not a valuation or loan approval. The lender determines the accepted property value and applies repayment-capacity, credit, property, purpose, product and documentation requirements.

Compare finance with the property valuation

Loan‑to‑value divides the entered finance balance by the property value and multiplies the result by one hundred. Rs 80 lakh against a Rs 1 crore valuation gives an 80% LTV. This calculator separates the main facility from combined secured balances, full secured‑credit exposure and estimated equity.

Why an unused limit changes planning room

Suppose the same property secures Rs 60 lakh of main finance, Rs 5 lakh of other debt and Rs 2 lakh drawn on a Rs 10 lakh secured credit line. Main LTV is 60%, combined drawn exposure is 67%, and authorised exposure is 75%. At an illustrative 80% target, room after the full limit is Rs 5 lakh. The unused limit is not deducted from the ownership‑equity estimate.

Enter total proposed balances

The proposed main‑finance and other‑secured‑debt fields replace their current counterparts; they are not added as extra borrowing. Enter the total balances expected after the transaction. The drawn credit‑line balance is added separately. Target paydown uses current drawn balances, while additional borrowing room uses authorised exposure.

Keep a planning target separate from approval

The editable target and displayed band do not run a regulatory eligibility check. Do not treat 80% as a universal Pakistan product limit or apply purchase‑finance criteria automatically to renovation or other property‑backed finance. A lower accepted valuation can increase LTV without new borrowing. For Islamic facilities, confirm which bank‑investment or settlement figure belongs in the comparison.

SBP: revised housing‑finance regulations

Pakistan loan to value calculator questions

How is main-finance LTV different from combined LTV?

Main LTV uses the primary balance. Combined LTV also includes other entered secured debt and the drawn credit-line balance.

Should proposed finance contain only the extra amount?

No. Enter the total proposed balance after the transaction, not just the increase.

Why does an unused credit limit reduce borrowing room?

The room calculation deducts authorised exposure, including the full secured-credit limit. Equity deducts drawn balances only.

Is the 80% marker an SBP approval result?

No. It is an editable model comparison and does not verify the applicable rules or bank criteria.