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Consumer Durable Loan
A personal loan scheme that supports purchase of various consumer durables such as Television, Refrigerator, Air Conditioner, Audio-Video Equipments, Washing Machine, Personal Computers, other household furniture/ appliances etc. Under this scheme, the item purchased to be hypothecated to the bank. In addition, on a case-to-case basis, bank may also secure the loan partially by the commonly acceptable form of cash/ quasi cash securities available in the market.
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. 50,000.00 to Maximum Tk.5,00,000.00
Repayment tenure Minimum 1year to Maximum 4 years.
Payment method- Equal Monthly Installments.
Competitive interest rate
No early settlement & partial adjustment fees required
No hidden cost.
3. Eligibility
Age limit: Minimum 25 years, Maximum 57 years at loan maturity
Minimum income Tk 15,000.00 per month
For salaried individual, minimum service length of 3 year and must be a confirmed employee. For self employed individual, a business record of minimum 3 years.
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