HBL Early Repayment Calculator
Calculate how much interest you save by making extra partial payments or paying off your HBL car loan, personal loan, or mortgage early.
HBL Loan Prepayment & Early Settlement Calculator
Enter your remaining HBL balance, markup rate, and lump-sum prepayment amount:
Early Loan Settlement & Penalty Calculator
Compare early repayment penalty charges against future interest savings
(Gross interest saved minus 4% early settlement penalty).
HBL Early Settlement Penalty vs Future Interest Savings
Even with an early settlement charge (e.g. 3%), making an early payoff on an HBL loan saves thousands of rupees in future interest because interest is eliminated on the prepaid principal.
Frequently Asked Questions (PAA Answers)
What is HBL's early loan settlement penalty fee?
HBL charges an early settlement fee of approximately 2% to 5% plus FED on the outstanding principal balance if settled within the first 1 to 3 years. For Islamic financing, early settlement involves a rebate on unearned rental/profit.