Sources for every rule on our Pakistan pages
Updated
Every number on our Pakistan pages comes from a rule with its source and the date we last checked it. This page lists those source documents, grouped by the page that uses them. A source that is not an official page is labelled as an estimate. The rules themselves, word for word, are in the “Sources” box at the bottom of each page.
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.
Loan calculator Pakistan
- sbp.org.pk › bprd-circular-letter-no-29-of-2021 — 4 rules, checked 2026-10-21
e.g. All consumer-financing repayments together should not exceed 40% of the … - sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 3 rules, checked 2026-10-21
e.g. With housing finance, the housing installment plus all other … - sbp.org.pk › bprd-circular-letter-no-19-of-2022 — 3 rules, checked 2026-10-21
e.g. Auto financing for a vehicle above 1,000 cc engine displacement runs at most … - sbp.org.pk › bprd-circular-letter-no-26-of-2020 — 1 rule, checked 2026-10-21
e.g. Unsecured (clean) borrowing on credit cards and personal loans together, … - sbp.org.pk › C4-BC_FRF.pdf — 2 rules, checked 2026-10-21
e.g. SBP sets no ceiling on the mark-up/profit rate of consumer financing. A … - sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
e.g. Then SBP's complaint portal Sunwai (also for Roshan Digital Accounts). - bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
e.g. If the bank has not resolved your written complaint within 30 days, you may …
Personal loan calculator Pakistan (personal financing)
- sbp.org.pk › bprd-circular-letter-no-29-of-2021 — 2 rules, checked 2026-10-21
- sbp.org.pk › bprd-circular-letter-no-26-of-2020 — 3 rules, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 5 rules, checked 2026-10-21
- sbp.org.pk › PRs-Consumer.pdf — 4 rules, checked 2026-10-21
e.g. SBP's Annualized Percentage Rate: mark-up/profit paid for the period × 365 × … - sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Car financing calculator — car installment in Pakistan
- sbp.org.pk › bprd-circular-letter-no-19-of-2022 — 4 rules, checked 2026-10-21
- sbp.org.pk › bprd-circular-letter-no-29-of-2021 — 4 rules, checked 2026-10-21
- sbp.org.pk › PRs-Consumer.pdf — 4 rules, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 3 rules, checked 2026-10-21
- archive.sbp.org.pk › Annex-c2-1.pdf — 3 rules, checked 2026-10-21
e.g. Ijarah (SBP): the owner of an asset transfers its usufruct (use) to another … - sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Home loan calculator Pakistan (housing finance)
- sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 5 rules, checked 2026-10-21
- sbp.org.pk › shsfd-circular-no-06-of-2026 — 1 rule, checked 2026-10-21
e.g. For housing finance up to Rs 5 million the bank may mark a lien on the … - sbp.org.pk › C4-BC_FRF.pdf — 3 rules, checked 2026-10-21
- archive.sbp.org.pk › Annex-c2-1.pdf — 2 rules, checked 2026-10-21
- sbp.org.pk › roshan-apna-ghar — 8 rules, checked 2026-10-21
e.g. Roshan Apna Ghar, lien-based (financing against a lien on your RDA balance … - sbp.org.pk › bprd-circular-letter-no-29-of-2021 — 1 rule, checked 2026-10-21
- sbp.org.pk › PRs-Consumer.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
How much can I borrow? Debt Burden Ratio (SBP)
- sbp.org.pk › bprd-circular-letter-no-29-of-2021 — 3 rules, checked 2026-10-21
- sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 3 rules, checked 2026-10-21
- sbp.org.pk › PRs-Consumer.pdf — 1 rule, checked 2026-10-21
- sbp.org.pk › bprd-circular-letter-no-26-of-2020 — 2 rules, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Early settlement of a loan in Pakistan
- sbp.org.pk › C4-BC_FRF.pdf — 3 rules, checked 2026-10-21
- sbp.org.pk › PRs-Consumer.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Credit card minimum payment and limit (SBP rules)
- sbp.org.pk › PRs-Consumer.pdf — 1 rule, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 4 rules, checked 2026-10-21
- sbp.org.pk › bprd-circular-letter-no-26-of-2020 — 3 rules, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Property tax in Pakistan: 236K, 236C and gain tax
- download1.fbr.gov.pk › 2026724177725705IncomeTaxOrdinanace2001.pdf — 13 rules, checked 2026-10-21
e.g. Buyer: advance tax on purchase of immovable property (section 236K) for … - download1.fbr.gov.pk › 202698139527880CircularNo.2of2026-27.pdf — 1 rule, checked 2026-10-21
e.g. The separate higher rates for late filers on the Active Taxpayers' List were … - download1.fbr.gov.pk › 20266291261044366FinanceAct2026.pdf — 1 rule, checked 2026-10-21
e.g. The deemed-income tax on property (section 7E) was abolished by Finance Act … - fbr.gov.pk › 131220 — 2 rules, checked 2026-10-21
e.g. 236K is charged on fair market value — FBR's valuation tables for the listed … - na.gov.pk › 685e84982a59e_906.pdf — 1 rule, checked 2026-10-21
e.g. Islamabad Capital Territory: stamp duty on a conveyance is 1% of the value … - revenue.kp.gov.pk › taxes-fees — 5 rules, checked 2026-10-21
e.g. Khyber Pakhtunkhwa, registration of a sale deed (FY 2025-26 figures): stamp … - sbp.org.pk › C4-BC_FRF.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
KIBOR rate: today's fixings and what it means
- sbp.org.pk › MSB_SEP_2026_Glossary12.pdf — 1 rule, checked 2026-10-21
e.g. KIBOR (Karachi Interbank Offered Rate): the clean (unsecured) interbank … - sbp.org.pk › bpd-circular-no-1-of-2004 — 1 rule, checked 2026-10-21
e.g. When a loan is priced "KIBOR + margin", SBP's 2004 rule means the offer … - sbp.org.pk › C4-BC_FRF.pdf — 2 rules, checked 2026-10-21
- sbp.org.pk › kibor_index.asp — 1 rule, checked 2026-10-21
e.g. SBP policy rate: 11.50% a year (unchanged at the Monetary Policy Committee … - sbp.org.pk › monetary-policy — 1 rule, checked 2026-10-21
e.g. SBP's next Monetary Policy Committee meeting: 26 October 2026 (calendar … - archive.sbp.org.pk › Annex-c2-1.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Naya Pakistan Certificates: profit rates and returns
- sbp.org.pk › naya-pakistan-certificate — 41 rules, checked 2026-10-21
e.g. Naya Pakistan Certificate, PKR, 3-month: 11.75% a year before tax … - sbp.org.pk › C4-BC_FRF.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Roshan Digital Account (RDA): what it is and how it works
- sbp.org.pk › roshan-digital-accounts — 1 rule, checked 2026-10-21
e.g. Roshan Digital Account (RDA): an SBP initiative, offered through commercial … - sbp.org.pk › faqs-roshan-digital-account — 7 rules, checked 2026-10-21
e.g. Two kinds: a Foreign Currency Value Account (FCVA) and an NRP Rupee Value … - sbp.org.pk › naya-pakistan-certificate — 1 rule, checked 2026-10-21
- download1.fbr.gov.pk › 2026724177725705IncomeTaxOrdinanace2001.pdf — 4 rules, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22
Roshan Apna Ghar: home finance for overseas Pakistanis
- sbp.org.pk › roshan-apna-ghar — 14 rules, checked 2026-10-21
- sbp.org.pk › SHSFD-2026-C4-Annex.pdf — 3 rules, checked 2026-10-21
- download1.fbr.gov.pk › 2026724177725705IncomeTaxOrdinanace2001.pdf — 1 rule, checked 2026-10-21
- sbp.org.pk › C4-BC_FRF.pdf — 1 rule, checked 2026-10-21
- sunwai.sbp.org.pk — 1 rule, checked 2026-10-21
- bankingmohtasib.gov.pk › WebPages.aspx — 1 rule, checked 2026-10-22