due to the new sbp rules. maximum debt burden allowed now is 40% of take home salary or income.
so for example if your salary is 100,000 you can pay maximum installment of 40,000 only. that too based if you don't have any credit cards or any other loans.
if you have credit cards then you need to subtract 5% of your total limit from the available debt burden. for example continuing with the above. 100,000 salary and you have credit card of limit 500,000 then your base debt burden allowed is 40,000. now minus 5% of 500,000 from it. that is 40,000 - 25,000. Meaning maximum installment can only be 15,000.
debt burden allowed used to be 50% and was changed in the recently consumer financing policy to 40%