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Last Modified: Tuesday March 17, 2015

 
   
 
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Bullet Frequently Asked Questions
Am I eligible for HBL PersonalLoan?
How can I apply?
What is a top-up facility?
How much money can I borrow through HBL PersonalLoan?
In how many months am I required to repay my loan?
What is the applicable interest rate on HBL PersonalLoan?
Can the interest rate change during the tenure of my loan?
Are there any hidden costs involved?
Can I apply for an extension of my loan tenure?
Am I eligible for HBL PersonalLoan?
You are eligible to apply for HBL PersonalLoan if you fall under any of the following categories:
 
Top-up customers: Existing HBL PersonalLoan (previously called HBL FlexiLoan) customers with a good repayment history
Salary transfer customers: Individuals with more than Rs. 12,000 monthly salary being transferred to an HBL account
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How can I apply?
You can visit the nearest HBL branch and fill out a simple form to apply for HBL PersonalLoan.
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What is a top-up facility?
Existing HBL PersonalLoan customers can apply for a new loan of the same amount or more after a 12 month time period.
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How much money can I borrow through HBL PersonalLoan?
You can avail any amount ranging from Rs. 25,000 to Rs. 2,000,000 based on your eligibility and the Bank’s criteria.
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In how many months am I required to repay my loan?
You can easily repay your loan in equal monthly instalments in periods of 12, 24, 36, 48 or 60 months.
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What is the applicable interest rate on HBL PersonalLoan?
The interest rate varies according to the category of customer that you fall under, with a maximum of up to 30% per annum. However, for us to guide you better, please call HBL PhoneBanking at 111-111-425.
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Can the interest rate change during the tenure of my loan?
No, once your loan is approved, the interest rate will remain unchanged throughout the tenure of your loan.
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Are there any hidden costs involved?
No, there are no hidden costs involved. All charges are clearly mentioned in the Schedule of Bank Charges available at all HBL branches. You can also visit www.hbl.com for the Schedule of Bank Charges
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Can I apply for an extension of my loan tenure?
If you want to increase your loan tenure, you can apply for our loan top-up facility.
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