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پاکستان میں کار فنانس

کار لون کے لیے بہترین قسطوں کے منصوبے

کار لون کیکولیٹر

کار فنانس کے لیے پاک ویلز کا انتخاب کیوں کریں؟

کسٹمر سروس ریپریزنٹیٹو
کسٹمر سروس ریپریزنٹیٹو

تجربہ کار ریپریزنٹیٹوز کی ذریعہ پریشانی رہتے بغیر کاروبار کروائیں

کم ترین دفعات کی ضمانت
کم ترین دفعات کی ضمانت

پاک ویلز اپنے شراکت دار بینکوں سے نہایت مقابلہ پذیر دفعات کی تقسیم کرتے ہیں۔

کوریج پلانز
کوریج پلانز

شراکت دار بینکوں سے آپ کے خصوصی ضروریات پوری کرنے کے لئے کسٹمائزڈ کوریج پلانز

ریٹس کی تفصیلات موازنہ کریں
ریٹس کی تفصیلات موازنہ کریں

پاکستان کے سب سے بہترین تمویل بینکوں سے بہترین سودے حاصل کریں۔

کار فنانس کے مراحل

1 پاک ویلز پر کار فنانسنگ کے لیے درخواست دیں
2 ہمارا نمائندہ آپ کی تفصیلات کی تصدیق کے لیے آپ سے رابطہ کرے گا
3 ہم تصدیق شدہ کار فنانسنگ کی درخواستیں اپنے پارٹنر بینکوں کے ساتھ شیئر کریں گے
4 پارٹنر بینک آپ سے رابطہ کرے گا اور فنانسنگ کا عمل شروع کرے گا
5 بینک کی طرف سے کیس کی منظوری کے بعد آپ کو آٹو فنانسنگ لون مل جائے گا

کار فنانس کے فوائد

  • کم ادا کریں، زیادہ حاصل کریں

    کار فنانسنگ کے ساتھ، آپ اپنی پسند کی گاڑی خرید سکتے ہیں بغیر پوری رقم پہلے ادا کئے

  • کوئی ضمانت کی ضرورت نہیں ہے

    کولیٹرل کے لیے کوئی اثاثہ فراہم کرنے کے بجائے، کار فنانسنگ کار کو خود کولیٹرل سمجھتی ہے۔

  • اپنا وقت بچائیں

    سالوں تک بچت کرنے اور نقدی میں کار خریدنے کا انتظار کرنے کے بجائے، کار فنانس آپ کا وقت بچا سکتا ہے۔

  • اپنا منصوبہ بنائیں

    آپ اپنی سہولت کے مطابق بینکوں کی جانب سے پیش کردہ مختلف آپشنز سے ڈاؤن پیمنٹ کی رقم اور ادائیگی کی مدت کا انتخاب کر سکتے ہیں۔

  • حفاظت اور وشوسنییتا

    کار فنانسنگ آپ کو دھوکہ دہی کرنے والے فروخت کنندگان کے ذریعے دھوکہ دہی سے بچاتا ہے کیونکہ بینک دونوں فریقوں پر بیک گراؤنڈ چیک چلاتے ہیں

  • بیچنے کی آزادی

    اگر آپ نے پوری رقم ادا نہیں کی ہے تو بھی آپ مالی امداد والی کار کو آسانی سے فروخت کر سکتے ہیں۔

سرفہرست کار فنانسنگ بینک اور نرخ

بینک کے نام فنانسنگ کی شرح

*شرح کبور سمیت ہے

انشورنس کی شرح پروسیسنگ فیس
27.02% 1.5% 6,960 روپے
26.02% 1.29% 8,000 روپے
27.02% 1.75% 7,200 روپے
30.02% 2.5% 5,000 روپے
28.02% 1.5% 8,120 روپے
27.02% 1.99% 11,600 روپے
25.02% 1.4% 8,000 روپے
26.02% 2.2% 8,000 روپے

Car on Finance in Pakistan: Making Your Dream Car Affordable

Owning a car is a dream for many individuals in Pakistan, but the high upfront cost can often make it seem out of reach. However, with the option of cars on lease in Pakistan, owning your dream car has become more affordable and attainable than ever before. Car financing allows you to spread out the cost of the vehicle over a set period, making it easier to manage your finances while still enjoying the benefits of car ownership.

Moreover, cars on finance in Pakistan provide flexibility in terms of payment plans. You can choose the duration of the financing period, allowing you to tailor the monthly installments according to your financial capabilities. Additionally, many car financing options come with added benefits such as free maintenance, insurance coverage, and extended warranties, further enhancing the value and affordability of owning a car.

When considering cars on lease in Pakistan, it's important to research and compare different financing options offered by banks, financial institutions, and authorized dealerships. Look for favorable interest rates, low down payment requirements, and flexible repayment terms. It's also crucial to review the terms and conditions of the financing agreement, including any hidden charges or penalties.

In conclusion, cars on finance in Pakistan have made owning your dream car a reality for many individuals. By spreading the cost of the vehicle over time, car financing options make it more affordable and accessible. Whether you're looking for a small hatchback or a luxurious sedan, exploring the options of cars on finance can help you find a suitable vehicle that fits your budget and lifestyle.

How to Choose the Best Car Loan Bank in Pakistan - A Comprehensive Guide

When it comes to financing a car purchase in Pakistan, choosing the right car loan bank is crucial. The best car loan bank in Pakistan can offer you competitive interest rates, flexible repayment options, and excellent customer service. Here is a comprehensive guide to help you choose the best bank for car loan in Pakistan.

Research and Compare:

Start by researching different banks that offer car loans in Pakistan. Look for banks with a good reputation and a strong presence in the market. Compare their interest rates, processing fees, and repayment terms to find the most favorable option.

Check Eligibility Criteria:

Each bank has its own eligibility criteria for car loans. Check if you meet the age, income, and employment requirements set by the bank. It's also important to consider the loan-to-value ratio, which determines the maximum amount you can borrow based on the car's value.

Read Customer Reviews:

Look for reviews and feedback from customers who have availed car loans from different banks. This will give you insights into the bank's customer service, loan processing time, and overall experience. Choose a bank that has positive reviews and a track record of customer satisfaction.

Evaluate Interest Rates and Fees:

Interest rates play a significant role in the affordability of your car loan. Compare the interest rates offered by different banks and choose one that offers competitive rates. Additionally, consider any processing fees, early repayment penalties, or other charges associated with the loan.

In conclusion, choosing the best car loan bank in Pakistan requires thorough research and consideration of various factors. By comparing interest rates, eligibility criteria, customer reviews, and repayment options, you can make an informed decision. Remember, the best car loan bank is the one that offers favorable terms, excellent customer service, and helps you achieve your car ownership goals.

Used Car Finance in Pakistan: All You Need to Know

Used car finance in Pakistan has witnessed a surge in popularity in recent years, and its appeal is well-founded. With an increasing number of banks now providing financing options for used cars, it has become more convenient than ever to fulfill your dream of owning a car. Prominent banks such as HBL, Meezan Bank, and Bank Alfalah are among the institutions that offer used car finance in Pakistan, providing customers with a wide range of choices.

By opting for used car finance, you can select a financing option that suits your needs and preferences, enabling you to get behind the wheel of your desired car without delay. The availability of numerous banks offering used car finance ensures that you have ample options to choose from, making the process more flexible and tailored to your requirements.

Whether you are looking for a budget-friendly option or a specific make and model, used car finance in Pakistan allows you to explore a diverse range of vehicles that fit your budget. With competitive interest rates and favorable repayment terms, you can make manageable monthly installments while enjoying the benefits of car ownership.

The Advantages of a New Car Loan in Pakistan: Driving Off in Style

When it comes to purchasing a new car in Pakistan, one of the most convenient and popular financing options available is a new car loan. A new car loan in Pakistan offers several advantages that make it an attractive choice for many buyers.

Firstly, opting for a new car loan allows you to drive off in style with a brand new vehicle. It gives you the opportunity to choose from the latest models, advanced features, and modern designs. Owning a new car not only provides a sense of pride and satisfaction but also ensures a smoother and more reliable driving experience.

Secondly, a new car finance in Pakistan provides financial flexibility. Instead of paying the entire amount upfront, you can spread the cost over a period of time through affordable monthly installments. This allows you to manage your budget more effectively and avoid the financial strain of a large one-time payment.

Moreover, new car loans often come with competitive interest rates, making them a cost-effective option. With careful research and comparison, you can find a loan from a reputable bank or financial institution that offers favorable terms and conditions, including competitive interest rates and flexible repayment options.

To avail a new car loan, you need to fulfill certain eligibility criteria set by the lender, such as a stable income and a good credit score. It is also essential to carefully read and understand the terms and conditions of the loan agreement before making a commitment

Process to Apply for Car Loan at PakWheels.com:

You can compare car loans offered by multiple banks in just 3 steps at PakWheels. By furnishing the required information, you will be given with a list of car loan providers, loan offers along with comprehensive information including rates on offer and processing fee and other charges (if applicable). So that you can compare and choose the best offered car loan for yourself.

Step 1 - Visit Car Finance page and tell us your car loan requirements, this includes the following data:

- Choose which type of car you are applying for (New/Used)

- Select the city in which you reside and want to avail loan there in

- Select the Car Manufacture Year, Make and Model you are looking for

- Now opt the down-payment amount you want to pay in the realm of Car Loan along with loan period

Step 2 - Once you provide the above-mentioned information, the application will direct you to see the listings page with all the car loans being offered by different banks in Pakistan. You can review all the details by clicking View Details.

Step 3 - Now choose one that best meets your needs and then click on Apply Now button to proceed with your application.

انتباہ: قیمت اور حسابات میں KIBOR یا دیگر شرح میں تبدیلی کے باعث تھوڑا فرق ہوسکتا ہے۔ حتمی قیمتیں متعلقہ بینک (بینکوں) سے تصدیق کی جاسکتی ہے

روزانہ کبور کی شرح

6 مہینے 22.73%
12 مہینے 23.02%

KIBOR کو صارف اور کارپوریٹ قرضے کے لیے ایک معیار کے طور پر استعمال کیا جاتا ہے۔ کار فنانس کی مدت اور قسم کے لحاظ سے فی الحال کبور کی شرحیں 12% سے 14% کے درمیان مختلف ہیں۔ کبور کی شرح کے لحاظ سے کار کی ماہانہ قسطیں مختلف ہو سکتی ہیں۔ کار فنانس کی قیمتوں کی تصدیق کار لون کیلکولیٹر کے ذریعے کی جا سکتی ہے۔

Car Finance FAQs

For all cars, minimum 30% of total car value is required as down payment. You can calculate this exact amount using the Car Loan Calculator
For Salaried Individuals: Applicants must be a Pakistani citizen. Applicant’s age must be 22 years or more at the time of loan application and a maximum of 65 or retirement age, whichever is lower. Minimum monthly income must be PKR 80,000. For Self-Employed Business Professionals/Individuals: Applicants must be a Pakistani citizen. Applicant’s age must be 22 years or more at the time of loan application and a maximum of 70 years or less at the time of maturity. Minimum monthly income is PKR 80,000. Pensioner/Retired Individuals: Applicants must be a Pakistani citizen. Applicant’s maximum age at the time of maturity is 70. Minimum monthly income is PKR 200,000.
Minimum financing tenure is 1 year (12 months) Maximum financing tenure is 5 years (60 months)
For Salaried Individuals: Latest employment certificate including the date of joining. Nominee CNIC copy. Last six-month credited salary bank statement. Name of employer’s HR representative with mailing address. For Businessman: Valid business proof. Last six-month verified bank statement through the embassy. Nominee CNIC copy. In case of remittance income, the last six months' bank statement of the remitter would be required.
Islamic car finance is a type of financing that follows Shariah-compliant principles. It operates on the concept of Musharakah, where the bank and the borrower share the cost and profit of the car purchase.
Several banks offer competitive interest rates for car loans in Pakistan. It is recommended to compare the rates and terms offered by different banks before making a decision. Some of the popular banks for car loans include MCB Bank, HBL, and Faysal Bank.
The permissibility of car financing, also known as auto loans, in Islamic finance depends on the specific structure and compliance with Shariah principles. Islamic banks offer halal car financing options that adhere to Shariah guidelines, such as avoiding interest-based transactions and promoting profit-sharing models. It is important for individuals to seek guidance from Islamic scholars or experts to ensure compliance with Islamic principles in car financing.
The loan tenure and EMI (equated monthly installment) are inversely related. This means the longer you take to pay off the loans, the lower the amount in installments you will have to pay and vice versa.

پاک وہیلز کی پیشکش

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پاک ویلز

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پاک ویلز

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ہماری ایپ کا استعمال کرتے ہوئے گاڑیاں، بائک اور آٹو پارٹس تیزی سے اور بہتر
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