National Bank of Pakistan has enhanced the Advance Salary Loan for Government, Semi Government Employees. This enhanced facility is for the employees of BPS-17 and above, however the lower scale employees are already availing the facility of Advance Salary up to 490,000/-. Earlier this facility of Rs. 490,000/- was for all the employees, now this facility has been enhanced up to 1,000,000/- for the employees of BPS-17 and above.

It is further added that NBP is granting advance salary loan to the employees at a very low rate as compared to other banks of Pakistan. Most of the lower grade employees have already availed this Advance Salary Loan facility. The duration of this loan is from 1 to 5 years. And the amount of Advance is equal to 20 x of Net Home Take Salary.

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## View Comments (83)

how much is markup rate in advance salary loan of NBP ?

i think the mark up rate is 18 to 18.5 %

what is the monthly instalment if some onw withdraw 5 lakhs from NBP?

if some one draws 3000 then its monthly installment is about 78000. In the same way calculate the installment on 500000/- this may be about 12000/-

state bank ka interest rate 9 pe agaya he or dosry banks us me 6 paercent apny include kr ke phir loan deti hen is hisab se to rate 15 hona chahye

just visit NBP for final Interest rates

Now my take home salary is 30000/=pm NBP Advance salary as 20 take home salary ie 30000*20=Rs;600000 LAC How many interest i would pay in five years plz info

Your Installment will be about 15400/- while the total interest will be about 323983/- Total Amount will be 600000+ 323983

it means that if u get 6 lakhs from NBP u have to return them 9 lakhs?

surely

Mam,

I am working in gov organization but on contractual base.I am not a permanent employee here.So let me suggest how can i avail the loan facility,Please let me know,...I urgently need a loan,...

Regards,

Rabia

Dear Rabia, just contact the nearest branch of NBP for the details.

yar 6 lacs pe 324000 intrest kese hogya, dekhye ek lakh pe intrest 18000 per year hoga na ? To 5 years ke liye 5*18000 =90000 hga na to 6 lakh pe 6*90000=540000 hga na yaa i am wrong plz guide ?

Yes ur calculation is wrong. It is calculated annually as per NBP Loan formula not direct 18 %

i want to ask that my net salary is 18000 its mean i can get 18000*20=360000 , my question is that how much money i have to return to NBP? and what will be an installment?

Can newly appointed employees means 6 months older, can avail this advance facility. kindly guide

Yes he/she can. Just go to any branch of NBP that is giving Advance Salary Loan and get the Loan form.

Asslam O Aliqum

Dear Sister.

Mari Salary 17835/ hia or main advance salary laina chah raha hon kia aap bat sakti hain keh mujhe NBP ko kitny pay kerna hon gay and per month kitny installment ho ge ? PLz Relpy

Muhammad Shahid Siyal

From Nawabshah

0345-3950000

20 Salary and bps 12

Aap kitni amount lena chahtay hain? give full detail with BPS.

meri salary per month NPS NO 7 RS :13286 Rupees hy or mujhe kitna loan mly ga or hr month kitna insitallment katy ga kindly please mujhe bta dain i am waiting for your answar .

Taqreeban 265000 Rupees Loan mil Jai ga. Agar Interest Rate 19 % ho to Loan Installment Rs. 6874 hogi aour total interest RS. 147454 Rupees Taqreeban Hoga.

PLEASE bro, dont take loan from anyone or bank claiming SOUD (interest) because its open fight with Allah and His Prophet Muhammad SAWW (Naozibillah) You cant get rid off and all your work will for sure be bey barkat

Salary : 28000

Amount of loan want to draw : 300000

Time : 3 Years

Tell me:

Monthly installments: ?

Total Amount i have to pay : ?

Monthly installment Rs. 10996/- Total Interest Rs. 95885/-

What will be the interest rate if someone want to draw 5 lacs for three years?

total payment?

Intrest rate?

monthly installlment?

Dear just download the calculator from this site to calculate.

To all Brothers.... Please it is not the point of contentment that the NBP has announced such amounting advance salaries. But the matter of fact is that it recovers fifty percent of the paid amount. If they want really to provide benefit to the bound handed Govt. employees , than NBP should relax the conditions and cut the interest rate too. otherwise it is universal show.

my salary is 19400/= i want 20 salaries advance .kindly let me know abhout my installment montly and 1 thing my a/c is not in NBP .but i m a government employee so is it mandatory to open an account in NBP and tranfermy salary there ?

Dear ur salary must be come in NBP for advance salary loan. for calculation the amount and interest plz use the calculator at mine site.

i want to take loan my payment 25000 per month i want to take loan 250000. i pay in 45 installment please tell me monthly installment and interest.

Dear just use the loan calculator present at this site to calculate the amounts.

plz help fast !!

ager mai national bank of pakistan mai 10 lack invest karu to montly mujay kitna interest milay ga like her month mai kitnay rupee bank se nikalwa skta hu widout disturbing this 10 lack !

plz reply fast :(

can i get Rs 490000 enhanced scheme loan on my salary that is 16000 ?

plz tell monthly installment.

Dear Faisal u can get maximum 320,000/- if ur net home salary is 16000/-

sir mari salry 20000 hai min kitna loan ly skta hun is k lia kia recware ment hai NBP ki plz contect me 03412700007

Dear sulaman, u can get Rs. 400,000/-

dea rmadm

main kasy loan ly skta hun is k lia kia krna ho ga main telenor main job krta hun .sulaman

Dear sulman, it is only for Govt Employees. U can contact any branch of NBP for details.

Maire Father ka salary 16500/- hai ham kitna loan lay saktey hai bank say?? plz contect

scientisttahir11@gmail.com

also describe the procedure of getting loan ...

Dear Tahir, net home salary ko 20 say multiply kar lo. NBP loan dey raha hay. just visit the branch of NBP that is giving Advance Salary Loan. Thanks

I visited the bank they agree to give the 20 month's advance salary but they also take profit of that much amount from us.

I thought that it must be free(not profit).

Plz tell me this that If I give 2 lac to the bank. Do they give me the profit of that much money ?? and what is the profit rate % of 2 lac (200000)

Dear Tahir, this can be explained by the Bank only.

before 3 years i got Rs.250000/. the NBP Timergara deducting Rs.7000/- per month from may salary. i dont know how much amount is deducting in interest and how munch in loan and inspite of thee years the ratio of deducting is still 7000/ why not it decreases.

Dear Sir, just use the calculator loaded at mine site in the heading of advances to calculate the amount of interest. Rs. 7000/- will never decrease untill the period is completed.

mai na loan k liya apply kar diya hai ais mai max kitna time lagta hai aur mera proceedure kaha tak phocha hai yeh mai kesa jaan sakta ho.........????????????

Dear Khurrum aap apni branch say contact karain. 15 say 1 mah tak lag jata hay.

mujhe2 months ho chuke hai aur branch walo na last sat ko bola tha k apka loan approved ho chuka hai aur sensation hona mai 10 days laga ga .....??? kiya approved hona k bad 10 days lagta hai ya nahi....???????

Dear Khurrum case approve hanay kay baad taqreeban one week main payment ho jaati hay.

payment hona k bad hume kesa pata chale ga k humera account mai pase agaya hai ya nahi ....???? kiya bank sa phone ayega ...?

Dear Kiran aap bank ka number lain lain aour 1 ya 2 din baad contact kar lia karain.

mujhe 2 month ho gaye hai loan k liya apply kiya howa laken abhi tak kuch nahi howa hai 2 week phela bank walo na bola k apka loan approved ho gaya hai aur sencition ho jaye ga 2/ 3 days mai usko bhi 2 weeks ho gaye hai laken na phn aya hai na koi draft aya hai abhi tak......

Dear Neha u again contact the concerned bank branch.

mai na head office k ek concerned person jo k i think 17 grade ka officer he us k through apply kiya hai or us ne kaha he ke k loan approve ho gaya he sention hona he or apne branch se pata kia to unho ne kaha k direct nhi ho skta jab tak apni branch se forward na ho

Dear Humera, jis branch say aap nain loan lena hay us branch kay through hi apply kia jata hay.

mera loan ka approved ho gaya hai laken mera case meri NBP branch k mutabiq ICL mai phas gaya hai....ICL kiya hota hai ...???? aur ais mai clear hona mai kitna time lagta hai....???? plz reply in detail plz

Dear HIRA, ICL i think is a clearing company. I hope it will send its report within few days.

dear sister meri salary 12000 a muje kitna loan milega or mera salary account nbp main nai a tho kia main loan leh sakta hon

Dear Shakeel ur salary account must be in NBP branch that is giving Advance Salary Loan. U can multiply the net home salary with 20 to find the amount of loan to be taken.

mai na ek pvt bank sa already ek 50 hazar loan liya howa hai kiya mujhe nbp sa advance salary loan mill jaye ga ya nahi

Dear Huma aap ko loan mil jai ga.

may pak armay may civil employe hoon.

may nbp se advance salary lena chahta hoon , jb k mera barnch manger ka kehna hay k ye scheme sirf civil govn k emloyes k lye hay, bahane bana kr nhi day raha mjy kia krna chahye,

Dear Waqas aap main branch sey rabta karain.

ok 3 lac agr advance salary nikalon tu 5 years may intrest kitna lagay ga aur par month installment kitni hogi...............

Dear Waqas, if the interst rate is 19% then 166929 interest banay ga aour 7782/- monthly installment hogi.

sir mara bhai ki salary 18000 per month h aur wo army mn as a soilder appoint h kia mara bhai loan la sakta h aur wo kitna loan la skta h aur monthly instalment kitni bani gi agr hm 3,50,000 amount lan please guide me.

Dear Adeel jilani, you can use the Loan Calculation sheet for the same, that is available at this website.He can take 20 Salaries.

sir mara bhai ki salary 18000 h m janna chataa hn k kia hm loan la skta hn y nai aur mara bhai nbp k through salary la raha h kia hm advance salary k lia apply kr skta hn y nai please guide me

Dear Adeel jilani, you can apply for the same.

Hello,

I'm Dr khan, I just wana know the saiban loan for flat purchase upon mortage scheme. With my salary MAASHALLAH 90000 rupees, flat cost 3500000, , demand 3000000, period for repayment 20 yrs. What will be the interest / mark up, monthly installments.

Sir, meri salary 24,000/- he. mujhe 4 Lac Loan chahiye 3 Year's k liye, Please mujhe Monthly Installment & total Interest Send karen

Mi NY aaj apni file bank mi jama KRWAI HY. BUT BRANCH MANAJOR BOL RHA HY K MI APNI TARF SY FRWD KR DYTA HU. LAKEN MAIN BRANCH YA JHELUM SY APROVED NH HO GI. MI PAKISTAN AIR FORCE MI HU. AOR SELORY B N.B.P SY LYTA HU. SO PLZ AAP MUJY KUCH GUIDE KR SAKTI HN

Main army main hn main ny bank manager sy advance salary loan k leu poocha to us ny kaha k hm army waln ko loan nai dety meri pay b nbp main hi aati hy to asa kesy hosakta hy??

Dear Madam... if some one takes loan for 4 years and the manager puts 5 years mistakenly then interest rate for one year will be increased.. so how to bring the loan back to 4 years or less....

Dear Madam ;

if nbp staff apply for house loan so how much markup in the loan and how much deduction salary from the employee salary . plz you give to me complete schedule ..................

Sir mari salary 25000 ha mujhe kitna loan mile sakta ha or 5 sal ki kia installment ho gi . one month ki kia ho gi . plz detail batain 03004652940

Mn army person hun aur mn 15 advance pay lena chhta hun aap mjy bta skty hen 5 sal py kitna interest lg ga meri py 36000 he

Please help me my name Abdul Hameed from Rawalpindi job in Quetta army. Kya mujy urgent lone mil skta hai 7 din tak. Q k mri life ka sawal hai. Koi mri help kr skta hai . My contact number : 03073854350

Aoa. please mujy bta dain k ma kiss tra loan ly skta hn please help me urgent

MARI SALARY HEY 35000 OUR MEY ADVANCE SALARY LOAN LENA 1500000 ROPEY.ES PAR MARKUP KETNA HO GA.OUR MAHINEY KA QEST MY KETNA JAMA KARONGA.PLEASE GUIDE ME.

our dosry bath ye he.k ye advance salary loan bewa awrath le sakthi hey jo apne shohar ki pantion 45000 ropy ley rahi hey.

Dear Ijaz just contact the nearest branch of NBP for further details.