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Finance2026-05-16 · 2 min read
Loan EMI Calculator Pakistan 2026
Ghar, car ya business ke liye loan lena cha rahe hain? Pehle monthly installment (EMI) calculate karein taake budget plan kar sakein.
EMI Kya Hota Hai?
EMI (Equated Monthly Installment) woh fixed amount hai jo aap har mahine bank ko dete hain. Isme principal aur interest dono shamil hote hain.
EMI Formula
EMI = P × r × (1+r)^n / [(1+r)^n - 1]
Jahan:
- P = Principal (Loan Amount)
- r = Monthly Interest Rate
- n = Number of Months
Pakistan Banks Interest Rates 2026
| Bank | Personal Loan | Car Loan | Home Loan | |------|--------------|----------|-----------| | HBL | 18-22% | 16-19% | 14-18% | | MCB | 19-23% | 17-20% | 15-19% | | UBL | 18-21% | 16-18% | 14-17% | | Meezan Bank | Islamic | Islamic | Islamic |
Example Calculation
- Loan Amount: PKR 10,00,000
- Interest Rate: 18% per year
- Tenure: 36 months
- Monthly EMI: PKR 36,152
- Total Payment: PKR 13,01,472
- Total Interest: PKR 3,01,472
Loan Lene Se Pehle Yeh Sochein
1. Kya monthly EMI apni income ka 30% se kam hai? 2. Emergency fund hai? 3. Islamic banking option available hai?