Loan Eligibility Calculator (Pakistan)
Estimate how much loan you can afford before you visit a bank. Enter your monthly income and existing loan payments, choose a loan type and tenure, and the tool applies the standard bank debt-to-income rule to show your maximum affordable installment, maximum loan amount, total markup and a year-by-year breakdown.
How to use
- Enter your monthly income in PKR and your total monthly payments on existing loans.
- Select the loan type: personal, car or home. The markup rate fills in automatically, but you can edit it.
- Choose a tenure from 1 to 20 years and your max installment ratio (40% or 50% of income).
- Press Check eligibility to see your results and the yearly breakdown table.
Your details
Default markup rates are typical starting points only. Your bank will quote its own rate.
Max monthly installment
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Max loan amount
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Total markup payable
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Total repayment
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How the limit was set
Year-by-year breakdown
| Year | Installments paid | Principal repaid | Markup paid | Balance left |
|---|
Year 1 is paid mostly toward markup; later years pay more toward principal. This is normal for amortized loans.
Important note: These are estimates only. Pakistani banks each have their own policies, credit checks, income verification and extra charges such as processing fees and insurance. The bank will make the final decision on your application.