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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/flats and construction of semi-pucca house under this scheme.
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, Doctors, Mariners, Wage earners Land-Lords 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. 5,00,000.00 to Maximum Tk.1,20,00,000.00
Repayment tenure Maximum 25 years including maximum 1 year grace period.
Payment method- Equal Monthly Installments.
Loan to price ratio-70: 30
Competitive interest rate
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.
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