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Loan calculator Pakistan

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How is a loan installment calculated in Pakistan?

In Pakistan the State Bank caps all consumer installments at 40% of net disposable income, personal financing at 4 years, car financing at 3 years above 1,000 cc with at least 30% down, and home finance at 30 years and 90% of the value (SBP Prudential Regulations, as amended to 2026). SBP sets no maximum mark-up, so a PKR 3,500,000 car with PKR 1,050,000 down at an example 18% is PKR 88,573 a month over 36 months.

SBP limits for consumer and home financing (Prudential Regulations as amended by BPRD CL 26/2020, 29/2021, 19/2022; Housing Finance 2026) — sources in the rules box
FinancingLongest tenorMinimum down paymentDebt burden limitCap
Personal loan4 years—40%PKR 3,000,000 unsecured, all banks
Car, above 1,000 cc3 years30%40%PKR 3,000,000 per person
Car, up to 1,000 cc5 years30%40%PKR 3,000,000 per person
Home finance30 years10%65% incl. all installments—

Official rule: All consumer-financing repayments together should not exceed 40% of the borrower's net disposable income (SBP Prudential Regulations for Consumer Financing R-3, as amended by BPRD Circular Letter 29 of 2021). (source, checked 2026-10-21)

Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

Personal loan, car financing and home loan maths for Pakistan — calculated in your browser, with the State Bank of Pakistan's rules shown and dated. No sign-up, no phone calls. Overseas Pakistanis: Naya Pakistan Certificates, Roshan Digital Account and Roshan Apna Ghar.

Personal loan calculatorInstallment (EMI), mark-up and APR — SBP's 4-year and 40% limits.Car financing calculatorCar installment with SBP's 30% down payment, tenor by engine size and the Rs 3 million cap.Home loan calculatorHousing finance under SBP's 2026 rules: 90% LTV, 30 years.How much can I borrow?Your maximum under the debt burden ratio: 40%, or 65% with home finance.Paying off earlySettlement amount and mark-up saved, with the penalty from your Key Fact Statement.Credit card minimum paymentHow long the minimum takes and what it costs.Property tax: 236K, 236C, stamp dutyFBR advance tax 1.25% / 2.75% for filers, gain tax, ICT and KP stamp duty.Naya Pakistan CertificatesProfit rates up to 12.75% (PKR) and what you earn after the 10% tax.Roshan Apna GharHome finance for overseas Pakistanis: up to 99% financing, 25 years.

Guides

KIBOR rate explainedToday's KIBOR fixings (SBP) and what they do to your installment.Roshan Digital AccountWho can open it, what it is for, how it is taxed.

Where to complain

  1. Your bank first, in writing. It must acknowledge the complaint and resolve it within SBP's time limits (card disputes within 45 working days at most).
  2. SBP's complaint portal Sunwai — sunwai.sbp.org.pk — also for Roshan Digital Accounts. Your Key Fact Statement carries the link.
  3. Banking Mohtasib Pakistan (the banking ombudsman) if the bank has not resolved your written complaint within 30 days — how to file.

About this site: Real Loan Rate is free and independent. No bank, lender or broker pays to appear, and every rule on these pages links to its official source with the date it was last checked. Who runs it and how it calculates.

Questions people ask

What is EMI?

EMI (equated monthly installment) is the fixed monthly installment that repays a loan with its mark-up on the reducing balance: amount × r ÷ (1 − (1 + r)^−n), with r the yearly rate ÷ 12 and n the months.

Does SBP set a maximum interest rate?

No — the State Bank of Pakistan sets no ceiling on the mark-up of consumer financing; a floating rate is a benchmark such as KIBOR plus a margin that cannot be raised during the tenor.