Faysal Islamic Housing Finance

Naya Pakistan Low Cost Housing Scheme

EMI Calculator
Customer Name ABC
CNIC
Financing Amount 8,900,000
Rate 1 to 5 years 7.00%
Rate 5 to 10 years 9.00%
Rate 10 years Onwards 11.00%
Tenure 240
EMI 1 to 5 Years 69,721 2200000
EMI 5 to 10 years 78,814
EMI 10 years Onwards 85,814
 Oct-20
KIBOR 7.69%
Spread 4.00%

58753 7500000
38753 4000000
800000
12300000
Loan Amount 8,900,000 Rate/Year 1st 5 Years
No. of Instal. 240 Rate/Year 2nd 5 Years
Rate/Year 11 Years onwards

Start Date
Tenor 14 End Date

EMI 1st 5 Years

EMI 2nd 5 Years
EMI 11 Years onwards

Installment No. Due Date Rent Principal Installment Amount

1 27-Aug-2017 52,912 16,808.27 69,721
2 27-Sep-2017 52,812 16,908.20 69,721
3 27-Oct-2017 52,712 17,008.73 69,721
4 27-Nov-2017 52,611 17,109.85 69,721
5 27-Dec-2017 52,509 17,211.57 69,721
6 27-Jan-2018 52,407 17,313.89 69,721
7 27-Feb-2018 52,304 17,416.83 69,721
8 27-Mar-2018 52,200 17,520.38 69,721
9 27-Apr-2018 52,096 17,624.54 69,721
10 27-May-2018 51,991 17,729.32 69,721
11 27-Jun-2018 51,886 17,834.72 69,721
12 27-Jul-2018 51,780 17,940.75 69,721
13 27-Aug-2018 51,673 18,047.42 69,721
14 27-Sep-2018 51,566 18,154.71 69,721
15 27-Oct-2018 51,458 18,262.64 69,721
16 27-Nov-2018 51,349 18,371.22 69,721
17 27-Dec-2018 51,240 18,480.44 69,721
18 27-Jan-2019 51,130 18,590.31 69,721
19 27-Feb-2019 51,020 18,700.83 69,721
20 27-Mar-2019 50,909 18,812.01 69,721
21 27-Apr-2019 50,797 18,923.86 69,721
22 27-May-2019 50,684 19,036.36 69,721
23 27-Jun-2019 50,571 19,149.54 69,721
24 27-Jul-2019 50,457 19,263.38 69,721
25 27-Aug-2019 50,343 19,377.91 69,721
26 27-Sep-2019 50,227 19,493.12 69,721
27 27-Oct-2019 50,112 19,609.01 69,721
28 27-Nov-2019 49,995 19,725.59 69,721
29 27-Dec-2019 49,878 19,842.86 69,721
30 27-Jan-2020 49,760 19,960.83 69,721
31 27-Feb-2020 49,641 20,079.50 69,721
32 27-Mar-2020 49,522 20,198.88 69,721
33 27-Apr-2020 49,402 20,318.96 69,721
34 27-May-2020 49,281 20,439.76 69,721
35 27-Jun-2020 49,159 20,561.28 69,721
36 27-Jul-2020 49,037 20,683.52 69,721
37 27-Aug-2020 48,914 20,806.49 69,721
38 27-Sep-2020 48,790 20,930.19 69,721
39 27-Oct-2020 48,666 21,054.62 69,721
40 27-Nov-2020 48,541 21,179.80 69,721
41 27-Dec-2020 48,415 21,305.72 69,721
42 27-Jan-2021 48,288 21,432.38 69,721
43 27-Feb-2021 48,161 21,559.80 69,721
44 27-Mar-2021 48,033 21,687.98 69,721
45 27-Apr-2021 47,904 21,816.92 69,721
46 27-May-2021 47,774 21,946.63 69,721
47 27-Jun-2021 47,644 22,077.10 69,721
48 27-Jul-2021 47,512 22,208.36 69,721
49 27-Aug-2021 47,380 22,340.39 69,721
50 27-Sep-2021 47,247 22,473.21 69,721
51 27-Oct-2021 47,114 22,606.81 69,721
52 27-Nov-2021 46,979 22,741.22 69,721
53 27-Dec-2021 46,844 22,876.42 69,721
54 27-Jan-2022 46,708 23,012.42 69,721
55 27-Feb-2022 46,571 23,149.24 69,721
56 27-Mar-2022 46,434 23,286.86 69,721
57 27-Apr-2022 46,295 23,425.31 69,721
58 27-May-2022 46,156 23,564.58 69,721
59 27-Jun-2022 46,016 23,704.67 69,721
60 27-Jul-2022 45,875 23,845.60 69,721
61 27-Aug-2022 58,800 20,013.96 78,814
62 27-Sep-2022 58,647 20,166.94 78,814
63 27-Oct-2022 58,493 20,321.10 78,814
64 27-Nov-2022 58,337 20,476.43 78,814
65 27-Dec-2022 58,181 20,632.94 78,814
66 27-Jan-2023 58,023 20,790.66 78,814
67 27-Feb-2023 57,864 20,949.58 78,814
68 27-Mar-2023 57,704 21,109.72 78,814
69 27-Apr-2023 57,543 21,271.07 78,814
70 27-May-2023 57,380 21,433.67 78,814
71 27-Jun-2023 57,216 21,597.50 78,814
72 27-Jul-2023 57,051 21,762.59 78,814
73 27-Aug-2023 56,885 21,928.94 78,814
74 27-Sep-2023 56,717 22,096.56 78,814
75 27-Oct-2023 56,548 22,265.46 78,814
76 27-Nov-2023 56,378 22,435.66 78,814
77 27-Dec-2023 56,207 22,607.15 78,814
78 27-Jan-2024 56,034 22,779.96 78,814
79 27-Feb-2024 55,860 22,954.08 78,814
80 27-Mar-2024 55,684 23,129.54 78,814
81 27-Apr-2024 55,507 23,306.34 78,814
82 27-May-2024 55,329 23,484.49 78,814
83 27-Jun-2024 55,150 23,664.00 78,814
84 27-Jul-2024 54,969 23,844.88 78,814
85 27-Aug-2024 54,787 24,027.15 78,814
86 27-Sep-2024 54,603 24,210.81 78,814
87 27-Oct-2024 54,418 24,395.87 78,814
88 27-Nov-2024 54,231 24,582.35 78,814
89 27-Dec-2024 54,044 24,770.25 78,814
90 27-Jan-2025 53,854 24,959.59 78,814
91 27-Feb-2025 53,663 25,150.38 78,814
92 27-Mar-2025 53,471 25,342.63 78,814
 93 27-Apr-2025 53,277 25,536.34 78,814
94 27-May-2025 53,082 25,731.54 78,814
95 27-Jun-2025 52,886 25,928.23 78,814
96 27-Jul-2025 52,687 26,126.42 78,814
97 27-Aug-2025 52,488 26,326.12 78,814
98 27-Sep-2025 52,286 26,527.35 78,814
99 27-Oct-2025 52,084 26,730.13 78,814
100 27-Nov-2025 51,879 26,934.45 78,814
101 27-Dec-2025 51,674 27,140.33 78,814
102 27-Jan-2026 51,466 27,347.78 78,814
103 27-Feb-2026 51,257 27,556.83 78,814
104 27-Mar-2026 51,046 27,767.47 78,814
105 27-Apr-2026 50,834 27,979.72 78,814
106 27-May-2026 50,620 28,193.59 78,814
107 27-Jun-2026 50,405 28,409.10 78,814
108 27-Jul-2026 50,188 28,626.25 78,814
109 27-Aug-2026 49,969 28,845.06 78,814
110 27-Sep-2026 49,748 29,065.55 78,814
111 27-Oct-2026 49,526 29,287.72 78,814
112 27-Nov-2026 49,302 29,511.59 78,814
113 27-Dec-2026 49,077 29,737.18 78,814
114 27-Jan-2027 48,849 29,964.48 78,814
115 27-Feb-2027 48,620 30,193.53 78,814
116 27-Mar-2027 48,390 30,424.32 78,814
117 27-Apr-2027 48,157 30,656.88 78,814
118 27-May-2027 47,923 30,891.22 78,814
119 27-Jun-2027 47,686 31,127.34 78,814
120 27-Jul-2027 47,449 31,365.27 78,814
121 27-Aug-2027 57,700 28,114.80 85,814
122 27-Sep-2027 57,437 28,377.46 85,814
123 27-Oct-2027 57,172 28,642.57 85,814
124 27-Nov-2027 56,904 28,910.17 85,814
125 27-Dec-2027 56,634 29,180.26 85,814
126 27-Jan-2028 56,362 29,452.87 85,814
127 27-Feb-2028 56,086 29,728.04 85,814
128 27-Mar-2028 55,809 30,005.77 85,814
129 27-Apr-2028 55,528 30,286.10 85,814
130 27-May-2028 55,245 30,569.04 85,814
131 27-Jun-2028 54,960 30,854.63 85,814
132 27-Jul-2028 54,672 31,142.89 85,814
133 27-Aug-2028 54,381 31,433.84 85,814
134 27-Sep-2028 54,087 31,727.51 85,814
135 27-Oct-2028 53,791 32,023.93 85,814
136 27-Nov-2028 53,491 32,323.11 85,814
137 27-Dec-2028 53,189 32,625.09 85,814
138 27-Jan-2029 52,885 32,929.88 85,814
139 27-Feb-2029 52,577 33,237.53 85,814
140 27-Mar-2029 52,266 33,548.05 85,814
141 27-Apr-2029 51,953 33,861.47 85,814
142 27-May-2029 51,637 34,177.82 85,814
143 27-Jun-2029 51,317 34,497.13 85,814
144 27-Jul-2029 50,995 34,819.42 85,814
145 27-Aug-2029 50,670 35,144.72 85,814
146 27-Sep-2029 50,341 35,473.05 85,814
147 27-Oct-2029 50,010 35,804.46 85,814
148 27-Nov-2029 49,675 36,138.96 85,814
149 27-Dec-2029 49,338 36,476.59 85,814
150 27-Jan-2030 48,997 36,817.37 85,814
151 27-Feb-2030 48,653 37,161.33 85,814
152 27-Mar-2030 48,306 37,508.51 85,814
153 27-Apr-2030 47,956 37,858.93 85,814
154 27-May-2030 47,602 38,212.63 85,814
155 27-Jun-2030 47,245 38,569.63 85,814
156 27-Jul-2030 46,884 38,929.97 85,814
157 27-Aug-2030 46,521 39,293.67 85,814
158 27-Sep-2030 46,154 39,660.77 85,814
159 27-Oct-2030 45,783 40,031.30 85,814
160 27-Nov-2030 45,409 40,405.29 85,814
161 27-Dec-2030 45,032 40,782.77 85,814
162 27-Jan-2031 44,651 41,163.79 85,814
163 27-Feb-2031 44,266 41,548.36 85,814
164 27-Mar-2031 43,878 41,936.52 85,814
165 27-Apr-2031 43,486 42,328.31 85,814
166 27-May-2031 43,091 42,723.76 85,814
167 27-Jun-2031 42,692 43,122.91 85,814
168 27-Jul-2031 42,289 43,525.78 85,814
169 27-Aug-2031 41,882 43,932.42 85,814
170 27-Sep-2031 41,472 44,342.86 85,814
171 27-Oct-2031 41,057 44,757.13 85,814
172 27-Nov-2031 40,639 45,175.27 85,814
173 27-Dec-2031 40,217 45,597.32 85,814
174 27-Jan-2032 39,791 46,023.31 85,814
175 27-Feb-2032 39,361 46,453.28 85,814
176 27-Mar-2032 38,927 46,887.27 85,814
177 27-Apr-2032 38,489 47,325.31 85,814
178 27-May-2032 38,047 47,767.45 85,814
179 27-Jun-2032 37,601 48,213.71 85,814
180 27-Jul-2032 37,150 48,664.15 85,814
181 27-Aug-2032 36,696 49,118.79 85,814
182 27-Sep-2032 36,237 49,577.68 85,814
183 27-Oct-2032 35,774 50,040.86 85,814
184 27-Nov-2032 35,306 50,508.36 85,814
185 27-Dec-2032 34,834 50,980.24 85,814
186 27-Jan-2033 34,358 51,456.52 85,814
187 27-Feb-2033 33,877 51,937.25 85,814
188 27-Mar-2033 33,392 52,422.47 85,814
189 27-Apr-2033 32,902 52,912.23 85,814
190 27-May-2033 32,408 53,406.56 85,814
191 27-Jun-2033 31,909 53,905.51 85,814
192 27-Jul-2033 31,405 54,409.12 85,814
193 27-Aug-2033 30,897 54,917.43 85,814
194 27-Sep-2033 30,384 55,430.50 85,814
195 27-Oct-2033 29,866 55,948.35 85,814
196 27-Nov-2033 29,343 56,471.05 85,814
197 27-Dec-2033 28,816 56,998.63 85,814
198 27-Jan-2034 28,283 57,531.14 85,814
199 27-Feb-2034 27,746 58,068.62 85,814
200 27-Mar-2034 27,203 58,611.12 85,814
201 27-Apr-2034 26,656 59,158.69 85,814
202 27-May-2034 26,103 59,711.38 85,814
203 27-Jun-2034 25,545 60,269.23 85,814
204 27-Jul-2034 24,982 60,832.30 85,814
205 27-Aug-2034 24,414 61,400.62 85,814
206 27-Sep-2034 23,840 61,974.25 85,814
207 27-Oct-2034 23,261 62,553.25 85,814
208 27-Nov-2034 22,677 63,137.65 85,814
209 27-Dec-2034 22,087 63,727.51 85,814
210 27-Jan-2035 21,492 64,322.88 85,814
211 27-Feb-2035 20,891 64,923.82 85,814
212 27-Mar-2035 20,284 65,530.36 85,814
213 27-Apr-2035 19,672 66,142.58 85,814
214 27-May-2035 19,054 66,760.51 85,814
215 27-Jun-2035 18,430 67,384.22 85,814
216 27-Jul-2035 17,801 68,013.76 85,814
217 27-Aug-2035 17,165 68,649.17 85,814
218 27-Sep-2035 16,524 69,290.53 85,814
219 27-Oct-2035 15,877 69,937.87 85,814
220 27-Nov-2035 15,223 70,591.26 85,814
221 27-Dec-2035 14,564 71,250.76 85,814
222 27-Jan-2036 13,898 71,916.42 85,814
223 27-Feb-2036 13,226 72,588.29 85,814
224 27-Mar-2036 12,548 73,266.45 85,814
225 27-Apr-2036 11,864 73,950.94 85,814
226 27-May-2036 11,173 74,641.82 85,814
227 27-Jun-2036 10,475 75,339.16 85,814
228 27-Jul-2036 9,771 76,043.01 85,814
229 27-Aug-2036 9,061 76,753.44 85,814
230 27-Sep-2036 8,344 77,470.51 85,814
231 27-Oct-2036 7,620 78,194.27 85,814
232 27-Nov-2036 6,890 78,924.80 85,814
233 27-Dec-2036 6,152 79,662.15 85,814
234 27-Jan-2037 5,408 80,406.39 85,814
235 27-Feb-2037 4,657 81,157.59 85,814
236 27-Mar-2037 3,899 81,915.80 85,814
237 27-Apr-2037 3,133 82,681.10 85,814
238 27-May-2037 2,361 83,453.54 85,814
239 27-Jun-2037 1,581 84,233.20 85,814
240 27-Jul-2037 794 85,020.15 85,814
 7.00%
9.00%
11.00%

27-Jul-17
2-Jul-22

69,721
78,814
85,814

O/S Principal
8,883,191.73
8,866,283.52
8,849,274.80
8,832,164.95
8,814,953.38
8,797,639.49
8,780,222.66
8,762,702.29
8,745,077.75
8,727,348.43
8,709,513.71
8,691,572.95
8,673,525.54
8,655,370.83
8,637,108.18
8,618,736.96
8,600,256.52
8,581,666.21
8,562,965.38
8,544,153.36
8,525,229.51
8,506,193.15
8,487,043.61
8,467,780.22
8,448,402.31
8,428,909.20
8,409,300.19
8,389,574.61
8,369,731.75
8,349,770.92
8,329,691.42
8,309,492.55
8,289,173.58
8,268,733.82
8,248,172.54
8,227,489.02
8,206,682.53
8,185,752.34
8,164,697.72
8,143,517.92
8,122,212.20
8,100,779.82
8,079,220.02
8,057,532.04
8,035,715.12
8,013,768.49
7,991,691.39
7,969,483.04
7,947,142.65
7,924,669.44
7,902,062.63
7,879,321.41
7,856,444.99
7,833,432.57
7,810,283.33
7,786,996.47
7,763,571.16
7,740,006.58
7,716,301.91
7,692,456.31
7,672,442.35
7,652,275.40
7,631,954.31
7,611,477.88
7,590,844.94
7,570,054.28
7,549,104.70
7,527,994.98
7,506,723.91
7,485,290.24
7,463,692.74
7,441,930.15
7,420,001.21
7,397,904.65
7,375,639.19
7,353,203.53
7,330,596.38
7,307,816.42
7,284,862.34
7,261,732.80
7,238,426.46
7,214,941.97
7,191,277.97
7,167,433.09
7,143,405.94
7,119,195.13
7,094,799.25
7,070,216.90
7,045,446.65
7,020,487.05
6,995,336.67
6,969,994.04
6,944,457.70
6,918,726.16
6,892,797.94
6,866,671.52
6,840,345.40
6,813,818.05
6,787,087.92
6,760,153.48
6,733,013.15
6,705,665.36
6,678,108.54
6,650,341.07
6,622,361.35
6,594,167.76
6,565,758.67
6,537,132.42
6,508,287.35
6,479,221.80
6,449,934.08
6,420,422.48
6,390,685.30
6,360,720.82
6,330,527.30
6,300,102.98
6,269,446.10
6,238,554.88
6,207,427.54
6,176,062.26
6,147,947.47
6,119,570.01
6,090,927.44
6,062,017.27
6,032,837.02
6,003,384.14
5,973,656.11
5,943,650.34
5,913,364.24
5,882,795.20
5,851,940.57
5,820,797.67
5,789,363.83
5,757,636.32
5,725,612.39
5,693,289.28
5,660,664.20
5,627,734.31
5,594,496.78
5,560,948.73
5,527,087.26
5,492,909.44
5,458,412.31
5,423,592.89
5,388,448.18
5,352,975.12
5,317,170.66
5,281,031.70
5,244,555.11
5,207,737.75
5,170,576.41
5,133,067.90
5,095,208.96
5,056,996.33
5,018,426.70
4,979,496.73
4,940,203.07
4,900,542.30
4,860,511.00
4,820,105.71
4,779,322.94
4,738,159.15
4,696,610.80
4,654,674.28
4,612,345.97
4,569,622.20
4,526,499.30
4,482,973.52
4,439,041.10
4,394,698.24
4,349,941.11
4,304,765.84
4,259,168.52
4,213,145.21
4,166,691.93
4,119,804.66
4,072,479.35
4,024,711.90
3,976,498.19
3,927,834.04
3,878,715.25
3,829,137.57
3,779,096.71
3,728,588.35
3,677,608.11
3,626,151.59
3,574,214.34
3,521,791.87
3,468,879.64
3,415,473.09
3,361,567.58
3,307,158.47
3,252,241.03
3,196,810.54
3,140,862.19
3,084,391.14
3,027,392.51
2,969,861.37
2,911,792.76
2,853,181.63
2,794,022.94
2,734,311.56
2,674,042.32
2,613,210.03
2,551,809.41
2,489,835.15
2,427,281.90
2,364,144.26
2,300,416.75
2,236,093.87
2,171,170.05
2,105,639.69
2,039,497.11
1,972,736.59
1,905,352.37
1,837,338.61
1,768,689.44
1,699,398.92
1,629,461.05
1,558,869.78
1,487,619.03
1,415,702.61
1,343,114.32
1,269,847.87
1,195,896.93
1,121,255.11
1,045,915.96
969,872.94
893,119.50
815,648.99
737,454.72
658,529.92
578,867.77
498,461.37
417,303.79
335,387.99
252,706.89
169,253.35
85,020.15
(0.00)