⚡ Limited free eligibility assessments available this month — Check yours before slots fill up

Government-Backed 5% Scheme

Find Out How Much Home Loan You Can Get?

Estimate your eligible home financing in 30 seconds based on your monthly income under the government-backed 5% scheme. Free, instant, no obligation.

✔ Free Eligibility Check

✔ No Obligation

✔ Results in Seconds

Trusted by 500+ aspiring homeowners across Pakistan

Free Eligibility Check

Check How Much Home Financing You May Qualify For

Your Monthly Income

PKR

✔ Free ✔ Instant Results ✔ No Obligation ✔ 100% Confidential

Process Guide

How To Get Your Home Loan — Full Process

Watch our step-by-step guide explaining the entire home loan application process from eligibility check to key handover.

See Sample Result

What Your Report Looks Like

Enter your income above and get an instant eligibility report just like this — tailored to your salary.

Sample Result

Monthly Salary PKR 150,000

Estimated Eligible Financing PKR 93,00,000

Government Scheme ✔ Eligible (5% Mark-up)

Homes In Budget 2-Bed Apartments from PKR 9M+

Estimated Monthly Payment ~PKR 97,500/mo

Monthly Installment

PKR 97,500

At 5% government rate

Total Properties Found

24+

Matching your eligibility

Official Scheme Partners

Financing Available Through Pakistan’s Leading Banks

We work directly with all banks approved under the Mera Pakistan Mera Ghar scheme.

HBL

Habib Bank

HBL · Largest network

MCB

MCB Bank

Muslim Commercial Bank

UBL

United Bank

UBL · National coverage

NBP

National Bank

NBP · State-owned

MBL

Meezan Bank

Islamic financing

BAF

Bank Alfalah

Alfalah · Wide reach

ABL

Allied Bank

ABL · 1,000+ branches

AKB

Askari Bank

AKBL · Army affiliated

FBL

Faysal Bank

FBL · Islamic & Conv.

BOP

Bank of Punjab

BOP · Punjab-focused

All listed banks are approved under the Mera Pakistan Mera Ghar (MPMG) scheme — 5% subsidized mark-up guaranteed

How It Works

Three Steps to Your Dream Home

The entire process takes under 60 seconds and costs you absolutely nothing.

Enter Your Income

Simply type in your monthly salary. No personal details, no forms — just one number is all we need to get started.

See Your Eligibility

In seconds, our system calculates your maximum financing eligibility under the government’s 5% subsidized scheme.

Find Your Home

Browse properties that match your budget and get expert application support from our Reptostate consultants.

Why People Use This

Finally Know Exactly Where You Stand

✔

Know what you may qualify for

Stop guessing. Get a real financing estimate based on your actual income.

✔

See homes in your price range

We match your eligibility to live listings — no browsing through unaffordable options.

✔

Get application support if needed

Our experts guide you through the entire bank application process, free of charge.

✔

Access the 5% government scheme

Most people don’t know they qualify. We make sure you never miss this opportunity.

Government Mark-up Rate

Available for first-time home buyers across Pakistan under Mera Pakistan Mera Ghar scheme

500+

Consultations

30s

Avg. Check Time

Properties In Your Budget

Homes That Match Common Salary Ranges

After your eligibility check, we show you real properties that fit your financing range.

Salary: 150K+

House · Lahore

5 Marla

PKR 15,000,000

Available

Salary: 200K+

House · Lahore

5 Marla, Bahria Town

PKR 20,000,000

Available

Salary: 100K+

Apartment · Lahore

1-Bed Apartment, Bahria Town

PKR 8,000,000

585 sq.ft · 3rd Floor

What Our Clients Say

Real People, Real Results

★★★★★

Reptostate helped me understand my eligibility when I thought homeownership was impossible on my salary. The tool was instant and the team guided me through the entire bank process.

Ahmad Khalid

Lahore · Salary: PKR 180,000

★★★★★

I had no idea I qualified for PKR 72 lakh in financing. The eligibility check took me 30 seconds and now I’m moving into my own home next month. Couldn’t believe it was free!

Sara Mahmood

Islamabad · Salary: PKR 155,000

★★★★★

The government scheme was something I’d heard about but never understood. Reptostate made it crystal clear and even matched me with a property that fit my exact budget. Highly recommend.

Fahad Raza

Karachi · Salary: PKR 220,000

Common Questions

Got Questions? We Have Answers.

What is the government 5% home loan scheme? +

The Mera Pakistan Mera Ghar scheme offers subsidized home financing at just 5% mark-up for first-time buyers with salaries as low as PKR 25,000. The government subsidizes the difference from market rates.

Is the eligibility check really free? +

Yes, 100% free with no hidden charges. You only pay if you choose to proceed with a full application, and even then our consultation fee is disclosed upfront.

How accurate is the eligibility estimate? +

Our estimate is based on standard banking criteria used by major Pakistani banks. The final amount depends on your employment type, credit history, and the bank’s assessment, but our tool gives you a very accurate range.

What salary do I need to qualify? +

Generally, a minimum monthly income of PKR 25,000 is required. However, the higher your income, the larger the financing amount you qualify for. Run the check to see your specific range.

Do I need to provide personal documents? +

Not for the initial eligibility check. Just your monthly income. Documents are only needed if you decide to proceed with a full bank application, which we assist with.

How long does the application take? +

The eligibility check is 30 seconds. If you proceed to a full application with bank submission, it typically takes 4–8 weeks for approval depending on the bank and your documentation readiness.

Start Now — It’s Free