The most you can realistically buy
Affordability Calculator
Works back from your income, existing commitments and savings to a maximum price — with transaction costs taken out of the deposit, where they actually come from.
Take-home, all earners combined. Lenders here look at documented income.
Car finance, personal loans, credit-card minimums. These come off first.
Everything you can put in. Transaction costs come out of this too, not on top.
Maximum realistic price
You could borrow
Deposit from savings
Transaction costs from the same savings
Stamp duty, CVT, registration and commission — around 3%. Budgeting for these separately is the mistake that leaves buyers short at registration.
Your existing commitments already use the income a lender would let you commit. Clearing some of those first is what changes this number.
What this figure is and is not
It is an upper bound on what the arithmetic permits, not a recommendation. Buying at your maximum leaves nothing for a rate rise, a void period if you let it, or the repairs every property eventually needs.
It also assumes financing is available at the rate you entered. Mortgage lending in Pakistan is limited and heavily documentation-dependent; many purchases here are made in cash or on a developer instalment plan instead. If you want an honest read on what is actually financeable in your situation, talk to us before you start viewing.
Indicative only. These figures are estimates based on the assumptions you entered — they are not financial advice, not an offer, and not a quotation. Rates, taxes and construction costs change; we confirm every number in writing before you commit to anything.
Sent — we will be in touch.
A consultant will look at exactly what you modelled and follow up.
Used only to answer this. No lists, no resale.