How much a bank will lend

Before you walk into the bank — an idea of the ceiling, worked out separately for salaried and for business people.

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Your salary slip is the proof, so the bank counts the money that actually reaches your account — and it wants the last instalment paid before you retire.

Your monthly take-home salary (Rs)What reaches your account after tax and deductions — not the gross figure on the offer letter.Other monthly income the bank will count (Rs)Rent that comes in, or a co-applicant's income. Only what can be proved on paper.Instalments you already pay (Rs)Car, personal loan, credit card, committee — the bank sees all of it on your statement.Bank's income limit — DBR (%)Most banks in Pakistan stop somewhere around 35% for a salaried borrower. Ask yours and put the real figure in.Bank markup, yearly (%)20 is only a starting figure — put in what your own bank quotes.Loan length you want (years)Your age today (years)The loan must finish by this ageFor a salaried borrower most banks want the last instalment paid before retirement — usually 60.Months in your current jobBanks ask for continuous service — some accept six months, many want two years.Price of the property (Rs)Leave it empty if you have not picked one yet.How much of the price the bank finances (%)The rest you pay yourself. Banks differ — ask yours before you rely on 70.

Term the bank will allow20 years

Instalment you can carry—

Loan your income supports—

Loan you may get—

Instalment on that loan—

The two tabs are not a decoration. A salaried file and a business file are read differently by the same bank: one is proved by a salary slip and ends at retirement, the other by tax returns and needs the business to have a history. Everything here is your own figure — we fill in no bank's rate.

This is not an approval. A bank also weighs your credit record, your employer or your trade, the insurance it will add, its own processing fee, and whether it will lend on that particular property at all — banks in Pakistan rarely finance a bare plot.