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đŸĻ Loan / Installment Calculator

Work out your monthly instalment before you commit — based on current Pakistani bank financing structures.

ℹī¸ Most Pakistani banks price car loans as 1-Year KIBOR (currently ≈11.84%) + a bank spread of 2.5–4% — roughly 14–16% all-in as of mid-2026, well down from the ~23% peak in 2023. Islamic Car Ijarah financing works structurally differently (lease-to-own) but often lands at a comparable effective monthly cost — worth comparing both with your bank.
Vehicle price
Down payment
Down payment 20% — Rs. 1,240,400
Loan terms
⚠ī¸ SBP caps total auto financing at Rs. 3,000,000 per individual across all banks combined. Your loan amount here exceeds that — you'd need a larger down payment, or this specific financing structure may not qualify under standard consumer auto loan rules.
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Estimated monthly instalment
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Loan amount
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Total payable
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Total markup paid
Principal Markup (interest)