How much can I borrow? Debt Burden Ratio (SBP)
Updated
How much loan can I get on my salary in Pakistan?
SBP caps all consumer-financing installments at 40% of your net disposable income, and at 65% once a home finance installment is included. On PKR 200,000 a month with PKR 20,000 already going to installments, that leaves PKR 60,000 a month — about PKR 1,971,715 of personal financing over 48 months at an example 20% mark-up.
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)
- Room under the limit, a month
- PKR 60,000
SBP's limits come from its Prudential Regulations for Consumer Financing (as amended by BPRD Circular Letters 26 of 2020, 29 of 2021 and 19 of 2022), the Prudential Regulations for Housing Finance 2026 and the Business Conduct and Fair Treatment of Consumers framework (BC&FRF, 2025). Your bank's Key Fact Statement and its own credit review are what count.
Installments on this page follow the standard monthly formula on the reducing balance. Your bank counts mark-up or profit day by day between the actual payment dates and rounds each amount, so its own schedule can differ slightly. Only your signed offer and Key Fact Statement are binding.
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.
SBP's debt burden limits in one minute
- Consumer financing: 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).
- With a home: With housing finance, the housing installment plus all other consumer-financing obligations may not exceed 65% of net disposable income.
- Spouse's income: The bank may count a spouse's income in the debt-burden ratio when the spouse agrees and is recorded as co-borrower.
- Example: on a net disposable income of PKR 200,000 a month, all consumer installments together stay within PKR 80,000; with a home finance installment, everything within PKR 130,000.
Other SBP limits that cap the amount
- Unsecured (clean) borrowing on credit cards and personal loans together, from all banks combined, is capped at Rs 3 million per person. For a prime customer the clean limit on credit cards and personal loans together may go up to Rs 7 million, of which personal loans at most Rs 4 million.
- Auto financing from all banks together may not exceed Rs 3,000,000 per person at any time.
- Housing finance covers at most 90% of the property value (LTV 90:10) — so at least 10% comes from you.
- A personal loan (personal financing) runs at most 4 years; financing for education paid to the institution may run longer.
Where to complain
- 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).
- SBP's complaint portal Sunwai — sunwai.sbp.org.pk — also for Roshan Digital Accounts. Your Key Fact Statement carries the link.
- Banking Mohtasib Pakistan (the banking ombudsman) if the bank has not resolved your written complaint within 30 days — how to file.
Questions people ask
What is the debt burden ratio in Pakistan?
SBP's Debt Burden Ratio: all consumer-financing installments together at most 40% of net disposable income (cut from 50% in 2021); with home finance, everything together at most 65%.
Can my spouse's income count?
Yes — in Pakistan, if the spouse agrees and is recorded as co-borrower, the bank may count the spouse's income in the debt burden ratio.
Is there a maximum loan amount?
In Pakistan, unsecured cards and personal loans from all banks together: at most PKR 3,000,000; car financing: at most PKR 3,000,000 per person; home finance: at most 90% of the property value.