Guides (Pakistan)
Updated
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.
Calculators
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.
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.