Down Payment Calculator — how much should you put down
Every field, the formula behind it, and a worked example.
Last updated:
Help › The calculators › What the down payment changes
The same house at five different down payments, side by side: the loan, the instalment and the markup you end up paying.
Open this calculator01
When to use it
When you are deciding whether to wait a year and save more, or buy now with less down.
02
Every field, explained
| Property price (Rs) | The full price you have agreed or expect to pay. |
| Down payment (%) | Your own share. Starts at 20 because that is what most Pakistani banks ask for as a minimum. |
| Bank markup, yearly (%) | Your bank's quote. |
| Loan length (years) | The same term across all five rows, so the comparison is fair. |
03
How the answer is worked out
- Your down payment is the price multiplied by the percentage; the loan is what remains.
- The instalment is worked out on that loan at your markup and term.
- The table then repeats the whole calculation at 10%, 20%, 30%, 40% and 50% down, so you can see the shape of the trade rather than one number.
A worked example — Rs 2 crore house, 20% markup, 20 years
| 10% down | Rs 20 lakh now · instalment Rs 3.06 lakh |
| 20% down | Rs 40 lakh now · instalment Rs 2.72 lakh |
| 30% down | Rs 60 lakh now · instalment Rs 2.38 lakh |
| 50% down | Rs 1 crore now · instalment Rs 1.70 lakh |
Each extra 10% down takes about Rs 34,000 off the monthly instalment and roughly Rs 61 lakh off the total markup. That is what waiting and saving is actually worth.
04
Mistakes people make
- Putting every rupee you have into the down payment and keeping nothing back for transfer cost, taxes and the first year of repairs.
- Comparing rows at different terms — keep the years the same or the comparison means nothing.
- Forgetting that a bigger down payment does not help if it empties your emergency savings.
05
What it does not do
- It does not know your bank's minimum down payment, which is usually 20–35% in Pakistan.
- It does not include transfer cost and taxes, which also come out of your cash.
- It assumes the markup is the same whatever you put down. Some banks do offer a better rate for a bigger deposit — ask.
06
Questions
- Is a bigger down payment always better?
- Why does the table stop at 50%?
For the arithmetic, yes. For your life, not if it leaves you with nothing set aside. Keep six months of expenses back.
Past half, most people are no longer really borrowing — and the instalment curve has already made its point.