Which bank has the lowest home loan rate in Pakistan 2026?

As of May 2026, Meezan Bank Easy Home offers 12.99% profit rate fixed for the first 3 years. HBFC offers government-subsidized rates as low as 11% under the Mera Pakistan Mera Ghar scheme for first-time buyers.

What is the SBP car loan limit in Pakistan?

SBP limits aggregate auto financing to PKR 3 million per person across all banks. For cars above 1000cc, minimum down payment is 30% and maximum tenure is 3 years. For locally manufactured cars up to 1000cc, minimum down payment is 15% and maximum tenure is 5 years.

What is DBR (Debt Burden Ratio) in Pakistan banking?

DBR is the percentage of your monthly net income going to all loan installments combined. SBP mandates maximum DBR of 50% for housing finance and 40% for auto and personal loans.

PRIVACY POLICY - LoanHissab

Last Updated: May 2026

LoanHissab.com respects your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

1. Information We Collect

Calculator Inputs, NOT Stored

When you use our loan calculator, you enter figures such as loan amount, down payment, salary, and bank selection. This information is processed entirely in your browser. It is never sent to our servers, never stored in any database, and disappears the moment you close or refresh the page.

Optional Email or WhatsApp Subscription

If you choose to subscribe to our rate update notifications, we collect your email address or WhatsApp number. This is entirely optional. We use this only to notify you when SBP changes interest rates or banks update their products.

Cookies and Analytics

We use cookies for the following purposes:

Google Analytics to understand which pages are popular, what devices visitors use, and which countries they come from. All data is anonymized. We cannot identify individual visitors.

Google AdSense to show relevant advertisements. Google uses cookies to personalize ads based on your browsing history. You can opt out via Google’s ad settings.

Site functionality to remember your tab selection (Home Loan, Car Loan etc.) during your visit.

2. What We Do NOT Collect

We do not collect your name, CNIC number, phone number, or physical address unless you voluntarily email us. We do not collect your bank account details, salary information, or any financial data you enter into the calculator. We do not sell any data to third parties. We do not share personal information with banks or financial institutions.

3. Third-Party Services

We use the following third-party services that have their own privacy policies:

Google AdSense displays advertisements. Privacy policy at policies.google.com/privacy

Google Analytics anonymous traffic analysis. Privacy policy at policies.google.com/privacy

4. Your Rights

You have the right to request deletion of your subscription data by emailing us at thedevstudio.corp@gmail.com. You can opt out of cookies through your browser settings. The calculator will continue to work without cookies. You can opt out of Google advertising cookies at adssettings.google.com.

5. Data Security

Our website uses HTTPS encryption for all connections. Subscription contact details are stored securely. We do not process any payment information on our site.

6. Children’s Privacy

LoanHissab.com is not directed at children under the age of 18. We do not knowingly collect personal information from minors.

7. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page will reflect the most recent update. Continued use of the site after any changes means you accept the updated policy.

8. Contact

For any privacy-related questions or requests, contact us at: thedevstudio.corp@gmail.com

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