AB BANK

Purpose
Purchase of Apartment/independent house with in the Municipal areas of cities, not more than 15 years old.
Construction of old/new house.
Renovation of house.
Loan take over facility from other banks.
Loan Ceiling
70% of the value of the apartment /construction cost subject to maximum Tk. 120 Lac.
Fees
Application fee: Tk. 500
Processing fee: 1% on the approved loan amount.
Tenor
Maximum 20 Years
Rate of Interest
Attractive interest rate
Insurance Coverage
Property insurance for Earthquake and Fire.
Life insurance (optional).
Security
Registered mortgage of property along with registered IGPA to sell the property.
Guarantee
No guarantee.

Bangladesh Development Bank Limited

Alfalah Home Finance

Unlock the door to a home thats unique to you. Theres a wide range of home nance
solutions available for you at Bank Alfalah. So whether you want to buy, build or renovate your
space, theres something specific available just for you.
Alfalah Home Buyer
Acquire a home that suits you
Financing of up to 70% of the value of the property
Payment tenure options from 3 to 20 years
Alfalah Build Your Home
Get financing to construct your home on an empty plot
Financing of up to 100% of the construction cost
Payment tenure option from 3 to 20 years
Alfalah Plot and Build
Choose your plot. Build your home
Financing up to 70% of the value of constructed home
Payment tenure option from 3 to 20 years
Alfalah Home Improvement
Renovate or expand your existing home
Financing of up to Rs. 3.5 million or 40% of the surveyed
value of your home (whichever is lower)
Payment tenure options from 3 to 20 years
Alfalah Home BTF
Repaying your home finance has never been simpler
Transfer up to 100% of the existing finance
Payment tenure options from 3 to 20 years

Bank Asia Limited

House Finance
This product will facilitate the customer to have financing for purchase of
flat/house, construction of new house, extension and renovation of
existing house etc.
1. Customer Segment
Any Bangladeshi individual who has the means and capacity to repay
bank loan. In specific terms, these could be salaried executives of
multinational and middle to large size local corporate, Government
officials, Officials working in reputed NGOs (Non Government
Organizations), international aid agencies & UN bodies, any tax paying
businessmen of repute, any employed / self-employed/ tax-paying
individual having a reliable source of income.
2. Loan Feature
Loan amount Tk. 3,00,000.00 to Maximum Tk.75,00,000.00
Repayment tenure Maximum 15 years including maximum 1 year
grace period.
Payment method- Equal Monthly Installments.
Loan to price ratio-70: 30
Competitive interest rate
No early settlement & partial adjustment fees
No hidden cost.
3. Eligibility
Age limit: Minimum 25 years, Maximum 65 years at loan maturity
Minimum income: Debt burden ratio based
For salaried individual, minimum service length of 1 year and must
be a confirmed employee. For self employed individual, a business record
of minimum 3 years & Land lord having substantial rental income.

BRAC Bank Limited

Home Loan
Product Type & purpose
Home Loan
Financing against purchase of your under-construction / semi-completed /
completed / secondhand Apartment of house
Home Credit
Financing against renovation / extension / construction of your own home
Takeover
Financing against transfer of the current balance of your existing housing
loan to BRAC Bank
Customer Segment & Eligibility
Salaried Individuals
Total job experience s minimum 3 years & must be permanent in
current job
Minimum income is BDT 25000
Businessmen / Self Employed individuals / Landlords
Owner / Director of Proprietorship / Partnership / Private Limited
Company
Total business experience is minimum 3 years
Minimum income is BDT 30000
Product Features
Interest rate starting from 8.75%*
Owner of the property must be the main borrower
Mortgage Property location
Property Must be
Applicants must be a permanent resident of Bangladesh
Minimum age of 25 years & maximum age of 65 years at the time of
maturity
Competitive Interest Rate
Maximum loan tenure is 25 years*
Property mast be located within any city corporation municipality
area
Common Documents
Latest 1 year personal bank statement
Latest Tax clearance certificate /return receipt of tax*
- Photocopy of National ID Card / Passport
- Letter/ Allotment Agreement/ Byna Deed for Home Loan
- Registered ownership deed for Home Credit / Take Over Loan
- Price quotation for Home Credit Loan
Salaried individuals
Letter of introduction (LOl)
Latest 01 year salary account statement
Businessmen
Trade License for last 3 years
Latest 01 year bank statement of the company
Registered partnership deed for Partnership Company
IMOA+ Certificate of incorporation+ Latest Schedule X for Private
Limited Company

Self-Employed
Certificate of membership of respective professional association
Declaration on self-pad along with seal
Certificate of a professional degree
Land Lord
Registered ownership deed
Rental deed
Copy of any utility bill (Electricity/ Water/Gas)
* Conditions Apply
For any banking needs please call 24 Hour Call Center 16221 or e-mail us
at enquiry@bracbank.com
We will soon be in touch with you

Commercial Bank of Ceylon Limited

Home Loans
CBC Home Loan comes to you on the solid foundation of trust and
transparency built in the tradition of Commercial Bank of Ceylon,
Bangladesh.
Find out more
With our Home Loan buy a House, ready flat/under-construction / semicompleted or secondhand flat that youve set your heart with not just an
attractive rate of interest but also an unmatched level of services. Best
Practices followed in CBC mentioned below will tell you why it makes
sense to do business with Commercial Bank of Ceylon, Bangladesh.
Loan Calculator
CBC Home Loans Unique Advantage
Loan amount up to BDT 10 Million
Low interest rates and interest is charged on reducing balance method
Early settlement and partial prepayment options
Low processing charges.
No hidden costs or administrative charges.
Guidance throughout the process
You could obtain a home loan for
Purchasing a Flat /house
Building a house
Completing a partially built house
Renovate, extend or complete a house
Paying off an existing home related loan
To qualify
You should have a regular monthly income, individually or jointly with your
spouse. This income should be sufficient to meet the monthly loan
commitment as well as living and other expenses.

Product Features
Loan amount up to BDT 10 Million
Financing available for up to 60% of property value
Competitive interest rates and absolutely transparent fees & charges
Loan tenure of up to 20 years
Mortgage property location : Dhaka Metro, Chittagong, Sylhet and
Narayangonj City Corporation area, Savar, Gazipur and Tongi Municipal
area
Applicant must be permanent resident of Bangladesh
Minimum age 25 years & maximum age 65 years at the time of maturity
Decreasing Term Assurance Policy (DTAP)
To relieve the borrowers family of the burden of the loan in the event of
borrowers death or permanent total disability or/and any such unforeseen
circumstances, our Home Loan is designed with a very attractive creditlife insurance bundle scheme called Decreasing Term Assurance Policy
(DTAP). The insurance coverage is provided by one of the best life
insurance companies in the country.
Common Documents:
Latest one year's personal bank statement
Photocopy of national ID/Passport
Business card/ visiting card of the applicant
Business card/ visiting card of the applicant
One copy passport size photograph of guarantor
Allotment Letter/ Allotment Agreement/ Byna Deed/ Property related
documents
Registered ownership deed for Home Credit / Take Over
Price quotation for Home Credit

Salaried Individuals
Letter of Introduction stating salary, issued by the employer
Latest 01year salary account statement
Business person
Copy of Trade License for last 3 years
Companys bank statement for last one year
Registered partnership deed for partnership company
Memorandum of Articles, Certificate of Incorporation, Latest Schedule X
for Private Limited Company
Self employed person
Professional Certificate issued by authorized institution
Declaration on self-pad along with seal
Certificate of Professional degree
Land Lord
Registered ownership deed
Rental deed
Copy of any utility bill (Electricity/ Water/Gas)
* Conditions Apply

DHAKA BANK LIMITED

Basic Documents

Duly filled in Application Form & CIB undertaking with signature.

Application Fee Tk.1000

CIB Fee TK. 200 for each (applicant & 2 guarantors)

Latest studio print color passport size photograph of applicant / co-applicant

(if any), spouse and guarantor duly attested by the Branch Manager.

National ID Card/Passport (photocopy) of applicant / co-applicant (if any),

spouse and guarantor duly attested by the Branch Manager.

Latest Personal TIN with Certified copy of IT10B of Applicant/Co-applicant (if

any), Spouse (if available), 3rd party Guarantor (if available) duly attested by
the Branch Manager.

Personal Bank Statement: For salaried person : last six months, For
Business person & others : last one year

Sanction copy & Loan Account Statement (if any existing loan)

Price quotation duly accepted by client

Recent electricity Bill (if residence is Self owned/Parent Owned/Family Owned)

Income Documents In Support Of Different Profession

For Salaried Individual

Latest salary certificate/Letter of Introduction (LOI) issued by appropriate

authority

Last 3 months pay slip (if salary in cash mode)

Bank statement where salary is reflected (if account payee salary)

For Business Person

Valid Trade License (Minimum 3 years from isue date)

Notarized partnership deed (if partnership concern)

RJSC certified MOA, COI, Form-XII & Schedule X (if limited company)

Company Bank Statement for last one year

Sanction copy & Loan Account Statement of company loan (if any existing
loan)

Valid Trade License (Minimum 3 years from isue date)

Notarized partnership deed (if partnership concern)

RJSC certified MOA, COI, Form-XII & Schedule X (if limited company)

Company Bank Statement for last one year

Sanction copy & Loan Account Statement of company loan (if any existing
loan)

For Self Employed/Professionals

BMDC certificate for Doctor

Bar Council membership certificate for lawyer

Other Professional Certificate (if any).

Self declaration in personal letter head regarding monthly income

For Property Owner

Copy of ownership deed

Copy of paid gas/electric bill.

Additional Following Documents Are Required

Branch visit report of the proposed property/project/apartment.

Branch valuation report of collateral security.

Survey report (by DBL enlisted surveyor).

Legal vetting report (by DBL enlisted panel lawyer).

Business rationale with justification for each proposal from the Branch Head.

A Tri-partite Agreement duly executed among the obligor, the Developer and
the Bank.

Loan agreement between the obligors and the Bank.

Copy of KYC and TP to be preserved with the loan file.

Documents For Own Construction

Private Land

Government Plot

Ownership / Lease deed

Lease Deed.

Baya deed for 21 years (original /

certified)

Baya deed for 21 years

(original/certified).

Recent Survey report (recent mat

parcha duly attested)

Mutation parcha from relevant

govt. office.

Permission from relevant

authority to mortgage the land

Approved plan and approval letter

Rajuk/concerned authority.

Detailed estimate of the

construction cost by
engineer/architect.

Latest land tax receipt.

Mutation parcha

Up to date non encumbrance

certificate for 13 years.

Detailed estimate of the

construction cost by a B.sc
engineer/architect.

Approved plan and approval letter

by Rajuk/concerned authority.

Latest land tax receipt.

Documents For Apartment

Private Land

Government Plot

Ownership deed

Lease Deed.

Baya deed for 21 years (original /

certified)

Baya deed for 21 years

(original/certified).

Development agreement between

developer and landowner &
agreement between developer
and the applicant.

Development agreement between

developer and landowner and
agreement between developer and
the applicant.

Power of attorney (if any)

Power of attorney (if any).

Recent survey report (recent mat

Mutation parcha from relevant govt

Private Land

Government Plot

parcha duly attested)

office.

Mutation Parcha.

Up to date non encumbrance

certificate for 13 years

Up to date non encumbrance

certificate for 13 years.

Permission from relevant authority

to mortgage the land

Project Brochure including price

details.

Approved plan and approval letter

Rajuk/concerned authority.

Developers profile.

Memorandum and Articles of

Association of the developer.

Project Brochure including price

details.

Developers profile.

Approved plan and approved

letter by Rajuk/concerned
authority.

Memorandum and Articles of

Association of the developer.

Latest land tax receipt.

Title report on the land by the

developers lawyer.

Title report on the land by the

developers lawyer.

Work in progress report of the

project.

Work in progress report of the

project.

Latest land tax receipt.

Equal Monthly Installment (EMI)

Interest Rate 12% (per annum)

Tenure
12 Months
24 Months
36 Months
48 Months
60 Months
72 Months
84 Months
96 Months
108 Months
120 Months
132 Months
144 Months

EMI (per lac)

8,885.00
4,708.00
3,322.00
2,634.00
2,225.00
1,956.00
1,766.00
1,626.00
1,519.00
1,435.00
1,368.00
1,314.00

156 Months
168 Months
180 Months

1,269.00
1,232.00
1,201.00

Eastern Bank Limited

EBL Home Loan

EBL introduces the most convenient & practical Home Loan that suits your
all home financing needs. Let it be for apartment purchase, home
construction, extension or renovation - EBL is here with the ultimate
solution for you. With so many attractive features in it - the home you
wanted to buy, or to extend the existing one or renovate the same is no
longer a distant dream.
Features
Home Loan for the purpose of

Flat/Apartment Purchase

House construction / Extension / Renovation / Up-gradation/ Face

uplifting / Finishing work

Takeover of existing home loan from any bank / Financial institution

Loan Amount Ranges from BDT 500,000 to BDT 12,000,000 or 70% of the
property value whichever is lower
Competitive interest rate
No Processing fee for Take over home loans from other Banks/ Financial
Institutions
Repayment tenure of up to 25 years
Automatic realization of Monthly Installments
Early full and partial settlement allowed
Shortest Loan Processing Time
Eligible Customers
Any credit worthy individuals with a minimum of three (3) years
experience like:

SSalaried executives

Self Employed : Doctors, Architects, Engineers, Chartered Accountant and

Certified Consultant & IT Professionals


Businessperson

Landlords
Age:

Minimum : 25 Years

Maximum : 65 years
Minimum Gross Monthly Income:

Salaried Executives: BDT 30,000

Professionals/Self Employed: BDT 40,000

Businessman: BDT 50,000

Joint applicant allowed ( spouse and immediate family member);
Combined Gross monthly income should be minimum BDT 40,000 per
month.
Property Features
Loan facility for both Lease hold and free hold properties.
TPA (Tri Partite Agreement) allowed for up to 18 months from the date of
the loan disbursement
For any banking needs of yours, please call our 24 Hour Call Center 16230
or 8332232 or e-mail us: info@ebl.com.bd. We will contact you as soon as
possible.