Bank comparison
Islamic Home Financing Rates in Pakistan — Compared
Review how major Islamic finance providers in Pakistan differ on profit rates, down payment expectations, maximum tenure and contract structure before you apply.
Last updated: 2026-07-11
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Compare the latest public rate guidance from leading banks
| Bank | Product Name | Profit Rate | Down Payment | Max Tenure | Structure Type |
|---|---|---|---|---|---|
| Meezan Bank | Easy Home | 12.49% fixed (first 3 yrs), then variable — or 5%/8% fixed for 10 yrs under Mera Ghar Mera Ashiana govt scheme | 10% (subsidized) / up to 35% standard | 25 years | Diminishing Musharakah |
| HBL Islamic | HBL Islamic HomeFinance | Floor 8%, cap 30%, variable (fixed available at bank discretion) | Up to 70% financed | 25 years | Musharakah (Shirkat-ul-Milk) |
| Dubai Islamic Bank Pakistan | Home Finance | Variable — KIBOR + margin, revised every 6–12 months | Not publicly listed / up to Rs. 75 million financing | Up to Rs. 75 million financing | Shirkat-ul-melk cum Ijarah |
| BankIslami | MUSKUN-Islami | Rate on request | Not publicly listed | Rs. 200K – 150 million financing | Musharakah units |
| Bank Alfalah Islamic | Roshan Apna Ghar (overseas Pakistanis) | Without lien: 1yr KIBOR + 1.5% / With lien: 1yr KIBOR only | Up to 99% with RDA/NPC lien | 25 years | Shariah-compliant |
Meezan Bank
Easy Home
- Profit Rate
- 12.49% fixed (first 3 yrs), then variable — or 5%/8% fixed for 10 yrs under Mera Ghar Mera Ashiana govt scheme
- Down Payment
- 10% (subsidized) / up to 35% standard
- Max Tenure
- 25 years
- Structure
- Diminishing Musharakah
HBL Islamic
HBL Islamic HomeFinance
- Profit Rate
- Floor 8%, cap 30%, variable (fixed available at bank discretion)
- Down Payment
- Up to 70% financed
- Max Tenure
- 25 years
- Structure
- Musharakah (Shirkat-ul-Milk)
Dubai Islamic Bank Pakistan
Home Finance
- Profit Rate
- Variable — KIBOR + margin, revised every 6–12 months
- Down Payment
- Not publicly listed / up to Rs. 75 million financing
- Max Tenure
- Up to Rs. 75 million financing
- Structure
- Shirkat-ul-melk cum Ijarah
BankIslami
MUSKUN-Islami
- Profit Rate
- Rate on request
- Down Payment
- Not publicly listed
- Max Tenure
- Rs. 200K – 150 million financing
- Structure
- Musharakah units
Bank Alfalah Islamic
Roshan Apna Ghar (overseas Pakistanis)
- Profit Rate
- Without lien: 1yr KIBOR + 1.5% / With lien: 1yr KIBOR only
- Down Payment
- Up to 99% with RDA/NPC lien
- Max Tenure
- 25 years
- Structure
- Shariah-compliant
Disclaimer
Rates are collected from public bank sources and change periodically. Confirm exact figures with the bank before applying. Last verified: 2026-07-11.
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