HBL Car Loan Calculator
Calculate monthly installments for new and used cars with Habib Bank Limited. Check SBP 30% down payment rules, current KIBOR rates, and compare HBL CarLoan with HBL Islamic Car Ijarah.
HBL Car Finance Calculator & Bank Rates
Enter your car price, down payment, and tenure to calculate your monthly HBL installment:
HBL Auto Loan Amortization Schedule
Complete month-by-month and yearly principal vs. markup distribution
PKR 49,409
PKR 2,100,000
PKR 864,563
PKR 2,964,563
| Year | Payment | Principal | Interest | Ending Balance |
|---|---|---|---|---|
| Yr 1 | 592,908 | 308,372 | 284,539 | 1,791,626 |
| Yr 2 | 592,908 | 356,184 | 236,731 | 1,435,444 |
| Yr 3 | 592,908 | 411,403 | 181,511 | 1,024,041 |
| Yr 4 | 592,908 | 475,185 | 117,727 | 548,856 |
| Yr 5 | 592,908 | 548,855 | 44,058 | 0 |
All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).
HBL Auto Loan EMI Calculator: Specialized Tools
HBL Car Loan (Conventional)
11.99% to 14.50% fixed or KIBOR floating rates with full monthly table.
Open Calculator → 🌙HBL Islamic Car Ijarah
Halal Diminishing Musharakah rental schedule with step-by-step ownership buyback.
Open Calculator → 🚙HBL Used Car Financing
Check 40% to 50% advance payment rules and car inspection fees for pre-owned cars.
Open Calculator → ✈️HBL Roshan Apni Car (RDA)
Car financing for Overseas Pakistanis with 0% down payment against deposits.
Open Calculator →Frequently Asked Questions (PAA Answers)
What is the HBL car loan interest rate in 2026?
HBL offers fixed car loan rates between 11.99% and 14.50% per year for salaried payroll customers, and floating rates of 1-Year KIBOR (currently 12.16%) plus 2.50% to 4.50% bank spread (effective rate: 14.66% to 16.66% per year).
What is the minimum down payment for an HBL car loan?
Under State Bank rules, the minimum advance payment is 30% for brand new passenger cars and 40% to 50% for used or imported cars.
What is the maximum car loan amount allowed at HBL?
The State Bank caps total consumer car financing at PKR 3,000,000 (30 Lakhs) for petrol/diesel cars and PKR 5,000,000 (50 Lakhs) for electric vehicles.
What is the difference between HBL CarLoan and HBL Islamic Car Ijarah?
HBL CarLoan is a conventional loan where you pay interest on borrowed funds. HBL Islamic Car Ijarah is a halal joint lease where the bank and customer co-own the car, and you pay monthly rent while buying units until you own the car.