Source: Price-range sheet sections C and D; official source sheet row 6 (Apna Ghar, eligibility only) · City: Islamabad · Last checked: 27 Oct 2026 (Phase 0 sheets; live re-read owed on launch day)

Preview note: this is a preview build, not the final plotsahi.com launch. Its dates come from the Phase 0 sheets dated 27 Oct 2026. A live CDA, RDA and FBR re-read is still owed on launch day, before any page is treated as a live authority check.

Rent vs buy calculator, Islamabad: break-even year, with transfer cost in the buy side

Calculator — above the fold

This is a secondary Phase 1 calculator. Its answer depends on assumptions you can see and change. If you change rent growth, price growth, or investment return, the break-even year will move — that is the point.

Price to buy (Rs) — ASKING price, not a sold price

Rent per month if you rent instead (Rs)

Down payment (%)

Loan markup, annual (%) — editable assumption, not an approval

Period (years)

Rent growth, annual (%)

Price growth, annual (%)

Investment return if renting, annual (%)

Worked example — computed by the calculator test

Example inputs, from the price-range sheet: price Rs 20,000,000, rent Rs 110,000 per month (Gulberg Residencia 5 marla full house ASKING, Rs 110,000–145,000, guide 2026), down payment 20%, markup 12% annual, period 10 years, rent growth 5%, price growth 5%, investment return 10%. Run the calculator above with those inputs and it shows: monthly EMI Rs 2,29,554, down payment Rs 40,00,000, loan Rs 1,60,00,000, transfer cost in the buy side (filer) Rs 8,00,000, and break-even in Year 8 — verified by scripts/test-calculators.cjs (buy net position Rs 2,38,72,615 vs rent pot Rs 2,37,16,319 in Year 8; in Year 7 buy is still behind, Rs 2,04,30,725 vs Rs 2,06,17,807). Do not quote that Year 8 without these inputs, because it moves with every assumption.

Apna Ghar note: the programme as shown in 2026 sources offers up to Rs 10m, 5% fixed for the first 10 years, then KIBOR + about 3%, up to 20 years, 90% bank / 10% applicant, house up to 10 marla / flat up to 1,500 sq ft, first-time buyers. Those terms are to be re-confirmed on the live portal / SBP circular at launch, and they do NOT prove approval for any specific buyer. If you are eligible, re-run this calculator with a 5% markup for the first 10 years as a separate case — do not mix it into the default case above.

What we did not check

Loan approval for any specific buyer
Maintenance, taxes after transfer, or moving costs
A sold price — the price input is ASKING
Rent for your exact portion without checking the portion split

This page does not replace a live authority check or a society transfer-office confirmation for your exact plot or file.