Calculate your maximum loan amount and monthly EMI eligibility using standard Pakistani bank DTI (Debt-to-Income) ratios.
Verify your bank eligibility
Most banks use 40% for car loans and up to 65% for home loans.
Your profile meets the basic salary and DTI requirements for major Pakistani commercial banks.
Buying your first home in a project like DHA or Bahria Town, or financing a new car, is a major life decision. In Pakistan, the banking system follows strict guidelines set by the State Bank of Pakistan (SBP) to ensure borrowers don't take on more debt than they can handle. Calcuva simplifies these complex regulations into a single, easy-to-understand Eligibility Score.
Banks look at your Disposable Income. If you earn Rs. 100,000, a bank won't let you pay Rs. 80,000 in EMIs.
If the calculator shows you aren't eligible for the amount you need, consider these three steps:
When planning, don't just look at the EMI. Remember to account for:
Don't wait for a bank rejection. Use Calcuva to audit your financial profile first. By understanding your DTI ratio and max loan capacity, you can walk into any bank in Pakistan with the confidence that your application meets their internal merit criteria.