Personal loan in Bangladesh 2022
Personal loan in Bangladesh 2022
Personal loan in Bangladesh 2022: Welcome to Thebdchat (https://www.thebdchat.xyz/) website. We will discuss personal loans of all banks in Bangladesh. How to apply for a loan? What is the monthly installment? How many years do you have to repay the loan? Let's find out all the bank loan terms.Standard Bank Personal Loan, City Bank Personal Loan, DBBL (FAQ) Personal Loan, HSBC Bank Bangladesh Any purpose loan, AB Bank (abbl) Personal loan, BRAC Bank Personal Loan, Pubali Bank Personal Loan.
Best Personal Loan 2022
Personal loan in Bangladesh (personal loan calculator, urgent personal loan in bangladesh) Best Personal Loan 2022
Personal loan in Bangladesh 2022
Age of applicant
· Minimum age: 21 years for salaried
· Minimum age: 25 years for businessman
Minimum monthly net income
· BDT 18,000 for SCB EB Customers
· BDT 35,000 for customers with salary with other bank
· BDT 55,000 for businessman and self employed customers
Eligible client segments
· Salaried executives
· Business persons
· Self-employed professionals
· Applicants must have a steady source of income from employment / business / self-employment activity.
· Client must be Bangladeshi citizen, currently living in Bangladesh
· Client must have National ID card
Customer location
· Dhaka (including Narayanganj)
· Chattogram
· Other areas with Standard Chartered Branch coverage may be considered.
Whatever the occasion or requirement, make smart financial choice with City Bank Personal Loan to fulfill all your dreams, reach to new heights and make your day to day journey of life joyful.
Loan tenure : 12 - 60 months
Loan amount from BDT 1 lac to BDT 20 lac
Loan tenure 12 to 60 months
No hidden charges
Competitive interest rate
Please see the Schedule of Charges.
Age: 22 to 60 years
Salaried Executive: Minimum 1 year
Professionals: Minimum 2 years of practice
Businessman: Minimum 3 years
Salaried Executive: BDT 20,000
Landlord: BDT 30,000
Professional: BDT 50,000
Business person: BDT 50,000
*Condition applied
Required Documents
Download basic required documents for Personal Loan, please Click here
1. What is the purpose of Personal Loan?
To purchase various consumer durables, to meet medical, education, marriage, travelling, festival etc. to decorate or renovate houses, financing to professionals’ for purchasing equipment, tools, machineries, office decorations items or any other personal requirement.
2. Who can avail personal loan?
• Salaried Individuals
• Professionals (Doctor, Engineer, Architect, FCA, CA etc)
• Landlord/Landlady
• Businessperson
3. What is the minimum loan amount?
BDT 50,000.00
4. What is the maximum loan amount?
BDT 20, 00,000.00
5. What is the minimum loan tenor?
12 months
6. What is the maximum loan tenor?
Up to 60 months
7. What is the minimum age to apply for Personal Loan?
18 years.
8. What is the maximum age of primary applicant?
70 years or retirement age whichever comes first at the time of loan completion.
9. What is the minimum service length with current organization for salaried individuals to apply for personal loan?
1-6 months
10. What is the total service/business length to apply for personal loan?
For Salaried Individuals: 1-2 years
For Government, Semi-Government and Autonomous Bodies: 6 months
For Businessmen: 2 years
For Professionals: 6 months of service/ practice in the profession
11. Can a contractual employee be eligible for personal loan?
Yes
12. What is the minimum income to be eligible for personal loan?
For Professionals BDT 30,000/-
For Landlord/Landlady BDT 30,000/-
For Business Individuals BDT 50,000/-
13. What is the processing fee for personal loan?
0.50% to 1.00% of Loan amount as per the schedule of charges of DBBL.
14. Can partial payment be made anytime in personal loan?
Yes. Partial payment can be made anytime.
15. What is the charge of partial payment in personal loan?
1.00% of the adjusted amount.
16. What is the Early Settlement Charge in personal loan?
2.00% of the settled amount.
17. How to repay personal loan?
Through Equated Monthly Instalment (EMI).
18. Can personal loan be applied jointly?
Yes. With Family Members Only (Father, Mother, Brother, Sister, Spouse, Son & Daughter only).
19. What are the required documents to apply for a Personal Loan?
• Loan Application duly completed and signed by the applicant
• Colour Photograph
• NID/ Smart Card
• Bank Statement
• Visiting Card
• Copy of utility bill
• e-TIN/ TIN certificate/ copy of income Tax acknowledgement
• Personal Guarantee along with Colour Photograph, NID, Visiting Card/Office ID/Business Card of the personal guarantor(s).
• Other documents or information as deemed necessary
For Salaried Individuals:
• Letter of Introduction (LOI) from employer regarding employment details/ Pay Slip/ Copy of Salary Certificate/ Copy of Increment/ Appointment letter etc. Or any other certificate issued by the employer.
• Office ID
For Businessperson:
• Valid Trade Licence copy, copy of Memorandum & Articles of Association etc for Business person
For Landlord/Landlady:
• Rent or Lease Agreement of house / property
*Conditions Apply
HSBC Bank Bangladesh Any purpose loan
Wish you had enough money to take an overseas vacation? Or renovate your home? Maybe buy a computer? Now you can do all these and more, with a Personal Instalment Loan from HSBC.
No personal guarantee - no cash security
We believe in our customers. That is why we do not require any personal guarantees or cash security to support the loan.
Simple documentation
The Personal Instalment Loan from HSBC assures you of one thing - simplicity. This means having to complete very simple and easy documents when applying for the loan. We offer a very competitive interest rate with low processing fees.
Who can apply?
You should be 23 years of age and employed by a well-established company with a minimum monthly income of BDT15,000. Self-employed individuals can also apply subject to proof of income.
How much would you get?
The loan amount ranges from BDT50,000 to BDT1,000,000 or maximum 10*-(14 times, in case of partially secured loan) times your monthly income, whichever is lower. However, in all cases the total approved amount will be within 30% of the total value of the goods / services availed through this financing.
How do you repay?
Loan repayments are made in the form of equal monthly instalments (EMI). You have the flexibility of choosing the repayment period (12, 24, 36, 48 or 60 instalments). Your monthly instalment can be automatically debited from your personal account held with HSBC. We also allow partial prepayment and prepayment.
How do you apply?
Just call or visit one of our branches in Dhaka or Chittagong. We will be happy to help you with your application.
[ * subject to credit assessment criteria]
Need to know more
For any query/complaint/ feedback/compliments, please call our Contact Centre at 16240 (accessible from within Bangladesh); +88 096127 16240 (accessible from overseas *) 24/7, including government holidays.
*Only international calls through authorized channel are allowed.
To meet any of your personal need.
Loan Ceiling
Loan Amount maximum Tk. 20 Lac.
fees
Application fee: FreeProcessing fee: Loan Limit up to Tk.50.00 lac @0.50% but not over Tk.15,000.
Loan Limit above Tk.50.00 lac @0.30% but not over Tk.20,000
Tenor
Tenure up to 60 months
Rate of Interest
Attractive interest rate (For Details Please Visit)
Security
Hypothecation of the product to be purchased.
Guarantee
Spouse/parent guarantee.One personal guarantee.
Product Name : DLP- Pubali Star
Features
To meet any personal/ family need.
Loan amount upto BDT 20 lac or upto 20 times of the net income/ take home salary whichever is lower.
Flexible repayment of 12 to 60 months
Competitive Interest Rate.
Processing Fee: 0.50% of the loan amount.
No Hidden Charge.
Easy documentation & quick processing.
Option for early & partial settlement.
Eligibility:
Any Bangladeshi individual who has the means and capacity to repay the loan.
Bangladeshi supported by National ID (mandatory).
Age: Minimum 21 years & maximum 65 years at the time of maturity of the loan.
Minimum Gross Income for salaried: Tk.10,000/-, self-employed: Tk.25,000/- Tk & businessmen: Tk.25,000/- per month.
Required Documents:
Copy of National ID of Applicant/ Guarantor(s).
2 Copies of recent lab printed passport size photograph.
Copy of latest Income Tax Clearance Certificate/ Tax Return/ Tax Acknowledgement Receipt of the applicant (for loan amount exceeding Tk.5.00 lac).
Bank Statement of at least 06 months.
For salaried person, Salary Certificate from competent authority.
For businessman, valid trade license for last two years, income statement.
For House / Flat Owner, Electric Bill / Gas Bill / Municipal Holding Tax Receipt/ Mutation Parcha/ Rent Receipt in the name of the applicant/spouse/parents.
Security:
Personal Guarantee(s).
Authorization for debiting client's deposit account for collection of EMI.
Required No's of fully prepared post dated & valid signed MICR cheques with Memorandum of Deposit of cheques.
Collateral/ Appropriate security (if applicable).
For any query please Contact at: Tel: (PABX) 02223381614 FAX: 880-2-9564009 or e-mail us at gsdd@pubalibankbd.com
Be it your dream gadgets, wedding, medical attention or whatever the requirement might be, BRAC Bank Personal Loan available at your side as always An unsecured loan up to BDT 20 Lac exclusively designed lust to cater your personal is needs.
Processing Fee: Up to 0.50% of the loan amount.
A Personal Loan facility for any consumer needs
Loan amount BDT 01 Lac to BDT 20 Lacs
No collateral or cash securities
Flexible repayment Equal Monthly Installments (EMIs) over a period of 12 months to 60 months*
Customer Segment & Eligibility
Age Minimum age 25 years - Maximum age 65 years
Professional Experience
Salaried: Confirmed Employee having minimum total work experience of 1 year
Businessman: Minimum 3 years of Business experience in same business
BDT 25000 (per Month) *
Required Documents (For Salaried Individuals)
Photocopy of NID of loan applicant and guarantor
One passport size photograph of loan applicant and guarantor
Letter of Introduction
Visiting Card / Office ID copy of both loan applicant and guarantor (if applicable)
Last 6 months' Bank Statement
Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac
Required Documents (For Self-employed Professionals like Doctors, Engineers, Accountants, Architects etc.)
Photocopy of NID of loan applicant and guarantor
One passport size photograph of loan applicant and guarantor
Photocopy of Membership Card/Professional Certificate
Visiting Card of both loan applicant and guarantor (if applicable)
Last 12 months' Bank Statement
Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac
Up to date Trade License of last 5 years (if applicable)
Registered Partnership Deed for partnership concern (if applicable)
MOA & Certificate of Incorporation for limited company (if applicable)
*Conditions Apply
Please call our 24 hours call center 16221 or e-mail us at enquiry@bracbank.com
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