Habib Metro Car Loan Calculator

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Auto Finance covers new and used vehicles both, structured either as a conventional markup or, if you go the SIRAT route, a diminishing-musharaka arrangement. The rate itself floats with KIBOR plus a spread the bank sets, which means it tracks SBP's policy rate — get today's actual number from HabibMetro rather than trusting anything written down weeks ago.

How HabibMetro Auto Finance Works

Structurally it's the same shape you'll find at most banks: you put down 15–30% depending on the vehicle and tenure, HabibMetro finances the rest, and you repay through fixed monthly installments over a term that usually stretches to five or seven years. New cars, used cars up to a certain age, even used-to-new refinancing can qualify — the age and tenure limits get revised from time to time, so confirm current ones with the bank before you fall in love with a specific car.

Official Auto Finance Fees

Separate from the markup rate, there's a set of fixed fees that apply no matter where rates sit — straight from HabibMetro's Schedule of Charges:

Fees confirmed from HabibMetro’s official Schedule of Charges, 1 July–31 December 2026. The markup rate itself is not a fixed charge and must be confirmed separately.

Typical Documents Required

• Valid CNIC
• Proof of income (salary slip, bank statements, or business proof for self-employed applicants)
• Vehicle quotation or invoice from the dealer
• Bank statements for the trailing months as specified by HabibMetro

Government Scheme Financing

If you qualify for the Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme, HabibMetro participates there too, with processing fees tiered by amount: Rs. 2,000 flat up to Rs. 2 million, Rs. 5,000 flat between Rs. 2–5 million, and 0.2% of the approved amount above that, capped at Rs. 25,000.

Roshan Apni Car for Overseas Pakistanis

If you're an overseas Pakistani with a Roshan Digital Account, Roshan Apni Car gets you the same kind of financing, debited directly from the RDA. Same PKR 300,000–PKR 10,000,000 range as HabibMetro's other RDA-linked lending, with equity and installment requirements that shift by applicant type — the full breakdown's on our Roshan Digital Account page.

Financing a vehicle for a business rather than personal use? That's a separate product — see our SME & Agriculture Banking page for HabibMetro's dedicated SME Vehicle Finance fee schedule.

Ladies Auto Finance

HabibMetro also runs a Ladies Auto Finance product under its Women Financial Services banner, alongside the Ladies Account and Ladies Home Finance. As with the home-finance equivalent, HabibMetro's public pages confirm the product exists without detailing a separately published rate or eligibility track — ask for it by name when applying if you specifically want it.

Confirmed from HabibMetro's official Women Financial Services navigation, habibmetro.com/women-financial-services.

Where to Get the Current Rate

Every bank's auto-finance rate moves with SBP's policy rate and KIBOR — HabibMetro's no exception — so don't treat any number here as good for more than a few months. The current rate schedule lives on habibmetro.com and at any branch; that's what to work off when you're actually calculating an installment.

Common Questions

Official Sources & Last Verified

Every figure, product detail, and claim on this page traces back to HabibMetro's own official disclosures, re-checked at the time this page was last updated, August 2026. Bank terms, rates, and features do change; if you find something here that no longer matches habibmetro.com, that's worth telling us, and we'll correct it.

Primary sources: Schedule of Charges; habibmetro.com/women-financial-services. Last verified August 2026.

Good For

• Understanding how HabibMetro car financing is structured before applying
• Overseas Pakistanis exploring Roshan Apni Car
• Checking what documents a car finance application typically needs
• Knowing where to get today’s actual markup rate, since it changes with SBP policy

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Habib Bank AG Zurich.