A: You are eligible to apply for HBL PersonalLoan, if you meet the following criteria:

• Salaried individual whose salary is being credited to HBL account
• Applicant to be 21 years or more at the time of loan application and 61 years or less at the time of loan maturity
• Minimum Monthly Salary: PKR 35,000+

A: The loan tenor ranges from 12 to 48 months.

A: Your monthly dues are directly debited from your salary account.

Schedule of Charges

• One-time Processing Fee of Rs. 6,000 or 1.25% of the loan amount whichever is higher
• 50% discount on HBL PersonalLoan processing fee for all female Accountholders.
• Early settlement charges: 7% of the outstanding loan amount
• Partial Payment:
• 5% of Partial Payment amount
• Not allowed in Year 1
• Partial payment amount cannot be more than 6 monthly installments.
• Partial payment can be done once in the complete tenure.
• Late Payment Charges: Rs 1,250 per late payment

FED is applicable on all above-mentioned charges.

All above charges are irreversible.

A: It is offered in all HBL branches across Pakistan

A: No. This is an unsecured loan, and no collateral is required.

A: Existing HBL PersonalLoan customers can apply for additional loan limit after a 12-month time period. Terms and conditions apply.

A: You can avail any amount ranging from Rs. 25,000 to Rs. 3,000,000 based on your eligibility and the Bank’s criteria.

A: Your case will be processed in 2 days via HBL Mobile app and 2-5 working days if applied via HBL branches, from the date all documents have been submitted.

A:You can easily repay your loan in equal monthly installments in periods ranging from 12, 24, 36, 48 or 60 months.

A:The interest rate varies according to the category of customer that you fall under, with a maximum of up to 35.99% per annum. For further details, please visit Schedule of Bank Charges (SOBC)- HBL PersonalLoans uploaded on https://www.hbl.com/personallo.

A:No, once your loan is approved, the interest rate will remain unchanged throughout the tenure of your loan.

A: Yes, loan can be availed by pensioners if they comply with following requirements:

• Minimum pension requirement: PKR 35,000 (minimum 3-months’ pension credited in HBL account)
• Maximum Age: 65 years at loan maturity
• Maximum Loan Amount: PKR 1 Million

Required documents are as follows:

• Verified CNIC copy
• Verified pension book copy

Terms and Conditions apply