HBL Loan Processing Fee Schedule 2026 (SOBC Itemized)
Official Schedule of Bank Charges (SOBC) for Habib Bank Limited consumer facilities. Itemizes upfront processing charges, documentation fees, vehicle tracker, valuation costs, and provincial sales tax (FED).
Schedule of Bank Charges & FED Taxes
Itemized breakdown of all mandatory fees charged by HBL during loan appraisal and disbursement:
Processing Fees, Valuation, Early Repayment & Documentation Costs
| Loan Product | Bank Processing Fee | Mandatory Ancillary Costs | Special Discounts |
|---|---|---|---|
| CarLoan / Car Ijarah | PKR 12,000 + FED (PKR 13,920) | Tracker (PKR 18,000) + Comprehensive Insurance (~1.80% p.a.) | 50% off for HBL Nisa |
| PersonalLoan / ReadyCash | PKR 8,000 or 1.25% (whichever is higher) + FED | Credit Life Insurance (~0.50% p.a.) | 50% off for HBL Nisa |
| Islamic Home Finance | PKR 20,000 + FED (PKR 23,200) | Valuation (PKR 15,000) + Legal Title Search (PKR 12,000) + Property Takaful | Waived for Roshan Apna Ghar Lien |
| Solar PV Financing | PKR 6,000 + FED | AEDB Site Inspection (at actual) | SBP Concessional |
| PMYBALS Tier 1 | PKR 0 (Free of Charge) | None | 100% Subsidized |
Frequently Asked Questions (PAA Answers)
Is the loan processing fee refundable if my application is rejected?
No, bank processing fees cover documentation appraisal, administrative verification, and e-CIB credit checks and are non-refundable.
How much is the provincial sales tax (FED) on bank processing charges?
Provincial sales tax / FED is 16% in Punjab and Islamabad (PRA / FBR), 13% in Sindh (SRB), and 15% in Khyber Pakhtunkhwa (KPRA) and Balochistan (BRA).