Home finance, side-by-side.
Compare what a property would actually cost you each month — conventional EMI vs. Diminishing Musharakah — then apply for pre-approval. We forward the application to a bank that matches your profile, you keep the relationship with them.
What would the monthly look like?
Slide the inputs to see the estimated monthly payment under both tracks. Numbers are illustrative — your actual rate, fees and approval depend on the bank.
Standard amortising home loan. Bank lends a principal amount that you pay back monthly with interest, on a fixed or variable rate.
Default is a placeholder. Each partner bank publishes its own current rate sheet.
Conventional or Sharia-reviewed — your call.
Conventional mortgage
Standard amortising home loan. Bank lends a principal amount that you repay monthly with interest at a fixed or variable rate. Most commonly offered product across the Pakistani market.
- Loan-to-value typically capped at 75%
- Tenor up to 25 years (subject to retirement age)
- Variable rates linked to KIBOR + spread
- Pre-payment allowed (bank-specific fees may apply)
Diminishing Musharakah (Islamic)
Shariah-reviewed co-ownership. The bank and you co-own the property. Each month you pay rent on the bank's share and buy a slice of its equity — until you own 100%.
- No interest — rent on the bank's outstanding share
- Each payment reduces the bank's ownership
- Reviewed by the bank's Shariah board
- Pre-payment generally allowed without penalty
ReptoState is not the lender. We help you compare and apply — the actual contract is between you and the bank. Final structure of any product, including Sharia certification, depends on the bank's own review process.
Six banks. One application.
When the network is live, one pre-approval application is matched against every bank below — you see the offers that come back and choose. None of the bank partnerships are signed yet; the cards below reflect the live status of each conversation.
- Outreach not startedHBLHabib Bank Limited
Pakistan's largest commercial bank by deposits.
- Conventional
- Sharia track
- HBL Home Loan
- HBL Islamic Home Finance
- Outreach not startedMCBMCB Bank
Broad branch network and a long-running home finance line.
- Conventional
- MCB Home Loan
- Outreach not startedUBLUnited Bank Limited
Active in overseas Pakistani housing finance.
- Conventional
- Sharia track
- UBL Address
- UBL Ameen Home Finance
- Outreach not startedAlfalahBank Alfalah
Strong premium-segment property finance offering.
- Conventional
- Sharia track
- Alfalah Home Loan
- Alfalah Islamic Home Finance
- Outreach not startedMeezanMeezan Bank
Largest Islamic bank in Pakistan. Diminishing Musharakah specialists.
- Sharia track
- Meezan Easy Home
- Outreach not startedFaysalFaysal Bank
Fully converted to Islamic banking — Sharia-only mortgages.
- Sharia track
- Faysal Islamic Home Finance
From calculator to approved in four steps.
1. Estimate
Run the EMI calculator. Pick conventional or Islamic. Adjust property value, loan size, tenor and rate until it feels right.
2. Pre-approve
Fill the pre-approval form — CNIC, employment, salary, monthly obligations. We do a soft-check, no hard inquiry yet.
3. Match
We forward your file to the banks whose product set matches you. You see who comes back with what.
4. Close with the bank
Final paperwork, valuation, and disbursement happen directly with the bank. ReptoState handles document hand-off, you sign with them.
First-time buyer? Check Mera Ghar.
The Mera Ghar Programme aims to help first-time buyers with subsidised rates and reduced down payments. We track the eligibility rules so you don't have to.
A mortgage is a long-term commitment.
Rate is not fixed forever
Conventional mortgages reset against KIBOR. A higher base rate raises your monthly payment. Build in headroom.
Missed payments hit your CIB record
Late or skipped EMIs are reported to the Credit Information Bureau and stay on your record. Banks check this on every future application.
Property value can move
If property prices fall after you buy, your loan balance can be higher than the property's market value. This is normal — you only realise the loss if you sell.
Pre-payment may carry fees
Each bank publishes its own pre-payment policy. Some allow partial pre-payments freely; others charge a percentage of the cleared amount.