HBL Loan Comparison Tool (All HBL Products)
Compare borrowing costs, interest rates, and monthly installments across all major financing facilities offered by Habib Bank Limited side-by-side.
HBL Multi Product Loan Calculator
Customize loan parameters to calculate your monthly HBL installment:
PKR 2,000,000(20 Lakh)
PKR 1 LakhMax: 30 Lakh (SBP Cap)
5 Years (60 Months)
1 YearMax: 5 Years
Interest / Markup Structure
Annual Fixed Markup Rate14.5% p.a.
Estimated Monthly EMIReducing Balance
PKR 47,057
Per month for 60 installmentsSanctioned Principal:PKR 2,000,000
Total Markup / Profit:PKR 823,394
Total Loan Payable:PKR 2,823,394
Processing Fee + 16% FED:PKR 13,920
Total Insurance / Takaful:PKR 180,000
GPS Vehicle Tracker:PKR 18,000
True Total Ownership Cost:PKR 3,035,314
HBL CAR Loan Repayment Schedule
Complete month-by-month and yearly principal vs. markup distribution
Monthly EMI
PKR 47,057
Principal Loan
PKR 2,000,000
Total Interest
PKR 823,394
Total Payable
PKR 2,823,394
| Year | Payment | Principal | Interest | Ending Balance |
|---|---|---|---|---|
| Yr 1 | 564,684 | 293,688 | 270,990 | 1,706,311 |
| Yr 2 | 564,684 | 339,222 | 225,458 | 1,367,090 |
| Yr 3 | 564,684 | 391,815 | 172,867 | 975,277 |
| Yr 4 | 564,684 | 452,558 | 112,121 | 522,720 |
| Yr 5 | 564,684 | 522,720 | 41,959 | 0 |
All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).
* Based on reducing balance amortization method in compliance with SBP PR-CF.Exported schedules suitable for financial audit & tax filing records.
HBL Cross Product Loan Comparison Matrix
| HBL Product | Rate Range (% p.a.) | Max Tenure | Security / Advance Payment | SBP Regulations |
|---|---|---|---|---|
| HBL CarLoan / Ijarah | 11.99% to 16.66% | 5 Years (7 Yrs for EV) | 30% to 50% Equity | PKR 3M Max Cap |
| HBL PersonalLoan | 27.00% to 35.99% | 4 Years | Clean (No Collateral) | PKR 3M Max Cap |
| HBL Islamic Home Finance | 14.66% to 15.91% | 25 Years | 20% to 25% Advance | 50% DBR Limit |
| HBL Solar Financing | 6.00% to 8.50% | 5 Years | Hypothecation of Solar Panels | SBP Concessional |
| HBL PMYBALS Youth Loan | 0%, 5%, 7% Fixed | 8 Years | Tiered Guarantee / Mortgage | Govt Subsidized |
Frequently Asked Questions (PAA Answers)
Which HBL loan product offers the lowest interest rate?
HBL PM Youth Business Loans (PMYBALS Tier 1) offer 0% markup, followed by HBL Solar Financing (~8.50% p.a.) and subsidized Roshan Apna Ghar housing loans (4% to 9%). Conventional HBL car loans range from 11.99% to 16.66%, while clean personal loans range from 27% to 36%.