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JS / Personal / Consumer Finance / JS CarAamad

Product Features

Processing Fee & Charges - As per Bank’s updated SOC

Debt Burden is capped at 40%

Financing Amount - Up to PKR 3.0 Million (Above 1000cc)

Financing Tenure: Up to 5 years (Below 1000cc)
Up to 3 Years (Above 1000cc)

Down Payment: Minimum 30% of cost of the vehicle

Markup Floating: 1 YK + spread

  • Pakistani national
  • Experience:
    • Salaried Permanent employees: 6-month employment
    • Contractual employees: Minimum 1 year employment with the present employer
  • Age:
    • Salaried: Min: 21, Max: 65 years or retirement age whichever comes first at the time of completion of the financing tenure.
    • Self Employed: Min: 21, Max: 70 years at the completion of the financing tenure
  • Monthly Income:
    • Self Employed/Businessman: Min. average balance: Rs. 100,000 over the last six months
    • Salaried Permanent Employees: Minimum Rs. 50,000 per month net take-home salary
    • Contractual Employees: Minimum Rs. 75,000 per month net take-home salary
  • Satisfactory credit history of existing bank borrowings
  • Financial ability to afford and repay finance

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