I am replying you for the comments you made in the brackets...I tend to agree with you.
I have gone through some of them. Studied all of them. Work for one of them.
MCB is good. No hidden charges. Good turn around time (TAT). Less (cumbersome) documentation. No control on delivery. Markup 11-13%. Surprisingly, I today checked the ON amount on Vario. Its 20,000 here in Islamabad. Just for teasing the dealer, I asked was it negotiable?
UBL is also good so far as rates are concerned. Incidentally all banks & leasing companies have recently jacked up their rates. they are now 11 to 13%. UBL will take a very long time in approval of the case.
HBL will tie you in lot of documentation and paper work.
Bank Alfalah (Non Islamic) is ok. Islamic has lot of hidden charges. Rate is 22% (IRR).
Are you fufilling all other conditions for lease. Bank account statement for the last one year, showing a constant stream of income, 3 times your vario's installment, salary/income proof, utility bill(s) in your name or landlord, no bad history of Datacheck.