Loan Eligibility Checker
15 Pakistani Banks · SBP 40% DBR Rule · Salaried & Self‑Employed · KIBOR 11.98%
يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ لَا تَأْكُلُوٓا۟ أَمْوَٰلَكُم بَيْنَكُم بِٱلْبَٰطِلِ
“O you who believe, do not consume one another’s wealth unjustly.”
— Quran 4:29
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🏢 Salaried
📊 Self‑Employed
📋 SBP Rules & Bank Facts (2026)
The State Bank of Pakistan mandates that your Debt Burden Ratio (DBR) must not exceed 40% of your net monthly income — meaning your total monthly loan payments (existing + proposed) must stay within 40% of what you take home[reference:0]. Banks then apply their own minimum‑income thresholds (ranging from Rs. 17,000 at BOP to Rs. 50,000 at HBL/JS/Faysal), age limits, and employment‑type requirements on top of that[reference:1][reference:2][reference:3]. The 6‑month KIBOR, the benchmark for most conventional loans, stood at 11.98% on 6 May 2026[reference:4]. Islamic banks use profit‑rate structures instead.