@ mubeen ,,,when u do ur agreement on fixed basis ,,,it means that whether state bank increases or decreases the interest rates ,,,,,u wont be affected
i leased a car from alfalah,,,,,,and they did not increase the rates even when state bank increased,,,,,
also my brother-in-law got a car leased from ubl,,,,,and they increased the rates when statebank did so
ubl are looters,,,,,they say that there is no pre payment penalty but infact there is one,,,,,,
also there are many hidden costs
alfalah is the best