The new caution among lenders showed up repeatedly in 25 interviews with bankers, corporate finance officers and Government officials.
And the loss can raise questions among a company's investment bankers, lenders and creditors.
Proponents counter that competition among lenders should prevent or reduce overcharging.
The more banks are prepared to lend, the more competition there is among lenders.
The move came against a backdrop of growing fear among investors and lenders that the nation's economic expansion is slowing.
The spread hasn't been that large since October 1987, when it was about 5 percentage points, in part because of price wars among lenders.
Pakistan, heavily in debt, is known as a deadbeat among international lenders.
Another piece of good news for the bank came from signs that problems had peaked among large corporate lenders.
And there are reports that SimpleTuition can help a student search among various lenders to find the best overall deal.
Because of the prolonged sluggish housing market competition among lenders is intense.