Changan Oshan X7 Installment Plan 2026

The entry Changan Oshan X7 — the Changan Oshan X7 Comfort — costs Rs 105,065 a month with Bank Alfalah: 65% down (Rs 5,508,100) and 36 months at 16.54%. The Changan Oshan X7 FutureSense 7 Seat works out to Rs 105,411 a month, but only because it needs 68% down (Rs 6,323,320) — with the loan capped at Rs 3,000,000, pricier variants mostly raise the upfront payment, not the installment. Figures use each bank’s published rate on 2 October 2026 and the ex-factory price.

State Bank of Pakistan rules allow one person to borrow at most Rs 3,000,000 for a car, across all banks. Once the price is above Rs 4,285,714, a 30% down payment would leave more than Rs 3,000,000 to finance — so the minimum rises. On the Changan Oshan X7 that means 65% for the Changan Oshan X7 Comfort and up to 68% for the Changan Oshan X7 FutureSense 7 Seat. Most comparison sites still quote 30% here, which no bank can approve.

The Changan Oshan X7 is above 1000cc, so the State Bank caps car financing at 3 years. Ads that show five- or seven-year Oshan X7 plans are out of date.

Over 3 years on the Changan Oshan X7 Comfort, Meezan Car Ijarah comes to Rs 118,707 a month at a fixed 14.75% — and that rental already includes takaful and the tracker. Bank Alfalah Auto Loan is Rs 105,065 at 16.54% variable, before insurance, which you pay separately. A variable rate moves with KIBOR every year; Meezan’s does not.

Besides the down payment, budget for the bank’s processing fee, comprehensive insurance (included in Meezan’s rental), and registration — token tax, withholding tax and number plates. See the full Changan Oshan X7 on-road price by province, and the monthly running cost for fuel and maintenance.