Question 1

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

Accepted Answer

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.

Question 2

What is the SBP car loan limit in Pakistan?

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Loan Calculator Real Numbers, Simple Language