HBL Loan Affordability Calculator
This calculator estimates the maximum loan you can afford in Pakistan by applying the State Bank of Pakistan's 40% Debt Burden Ratio (DBR) rule to your gross monthly income, factoring in existing car, personal, and credit card obligations (5% of card limits) across all loan types combined — not just one product.
HBL Salary to Loan Limit Calculator
Enter your net monthly income and existing loan installments:
How Much Can I Borrow? (SBP DBR Reverse Engine)
Calculates your maximum eligible borrowing capacity based on State Bank of Pakistan Debt Burden Ratio rules
Include existing car installments, personal loan EMIs, and credit card minimum payments.
(10.63 Lakh) based on 40% SBP DBR limit.
SBP 40% Debt Burden Ratio (DBR) — Consumer Loans
DBR Formula: (Total Monthly Existing Installments + Proposed New Installment) ÷ Net Verifiable Monthly Income ≤ 40%.
This 40% cap applies to car loans, personal loans, and credit cards combined. Keeping your DBR within this limit is what determines approval, not just meeting a product's minimum salary requirement.
Buying a home instead? Mortgages use a separate, higher 50% cap — see the HBL Home Loan Affordability Calculator for that calculation.
Combining Multiple Loans: Car + Personal + Home Together
Every existing installment you carry — a car loan, a personal loan, or a credit card — reduces the room left under your 40% DBR cap for anything new. Lenders check this through your eCIB report, which shows obligations across every bank, not just the one you're applying to. Combining a car loan and personal loan simultaneously is possible, but your combined installments must still clear the 40% threshold on your net income.
Frequently Asked Questions
What is the SBP Debt Burden Ratio (DBR) rule for HBL loans?
For consumer loans (car, personal, credit cards), the State Bank of Pakistan caps your total monthly installments at 40% of your net monthly salary. Home mortgages follow a separate, higher 50% cap — see the dedicated Home Loan Affordability Calculator for that specific calculation.
How is DBR actually calculated? Can you show a worked example?
DBR = (all existing monthly installments + your proposed new installment) ÷ net verifiable monthly income. For example, on a PKR 100,000 salary with an existing PKR 10,000 car loan installment, you have PKR 30,000 of room left under the 40% cap (PKR 40,000 total minus the PKR 10,000 already committed) for a new loan.
Can I get a car loan and a personal loan at the same time in Pakistan?
Yes, as long as your combined installments across both stay within the 40% DBR cap on your net income. Banks assess your total obligations across all lenders via your eCIB report, not just what you owe to that specific bank.
Does my credit card limit count against my loan eligibility even if I don't use it?
Yes. Banks typically count 5% of your total credit card limit as a notional monthly obligation for DBR purposes, regardless of your actual outstanding balance, since the full limit represents potential exposure.
How can I increase my loan affordability?
Pay down or close existing loans and credit cards to free up DBR room, add a co-borrower's verified income, or choose a longer tenure to lower your proposed installment — all three directly increase the maximum amount you can qualify for.