Start with a sustainable monthly payment
The calculator subtracts living expenses, existing repayments, ownership costs and your chosen monthly cushion from take‑home income. It converts the remaining capacity into a finance amount using the entered annual rate plus the stress buffer. Savings left after purchase costs and a reserve are then added to estimate a possible property price.
Work through a household budget
Take‑home income of Rs 300,000 less Rs 100,000 of living costs, Rs 30,000 of existing repayments, Rs 20,000 of ownership costs and a Rs 25,000 cushion leaves Rs 125,000 for the assessed payment. A higher stress rate supports less borrowing. This example illustrates the calculator’s budget method and does not represent a bank’s acceptance criteria.
Debt multiple is not the monthly debt‑burden ratio
The displayed DTI divides debt principal by annual gross income. A monthly debt‑burden assessment compares repayment obligations with income, so the two measures are not interchangeable. Adjusting the DTI warning marker does not cap the headline finance estimate. The calculator does not automatically apply the full SBP framework or any institution’s internal criteria.
Check upfront funds and contract details
Usable contribution is floored at zero after subtracting costs and reserve. A positive headline property budget can therefore coexist with insufficient upfront cash; review the target‑property shortfall. The target payment is checked at the stress rate, but the model does not reproduce an Islamic unit‑purchase schedule, all LTV restrictions or income verification. Include any applicable insurance or takaful cost once in your budget.