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House Furnishing Loan
House Furnishing Loan is a loan which facilities middles class people to purchase different household items such as Television, Refrigerator, Air-Conditioners, Washing Machine, Computers and other household furniture erc. for personal use.
Purpose
To Purchase different household items such as Television, Refrigerator, Air-Conditioners, Washing Machine, Computers, and other household furniture etc. for personal and family use.
Loan limit
Tk 0.50 lac to Tk 5.00 lac only.
Nationality
Bangladeshi
Age limit
From 21 years to 60 Years (last installment of the loan has to be deposited before the borrower reaches the age of 60).
Note: Age bar may be relaxed/waved by the Managing Director & CEO of the Bank on acceptable grounds.
Minimum income
Tk. 10,000.00 for Govt. Service Holder.
Tk. 15,000.00 for Private service holders
Tk. 30,000.00 for Businessman/Professionals
(Spouse/Other income may be added with the total monthly income. In such cases at least one of the borrowers has to meet the minimum income level)
Work Experience
For Salaried individual minimum total length of service must be 1 year as confirm employee.
Govt.Employees must be confirmed on job.
For Self-Employeed professionals and a businessman having good track record of minimum 3 years in business.
Down Payment
30%
Penal Charges
1% to be realized on the overdue loan amount or minimum BDT 200/- whichever is higher.
Interest rate
The interest rate is subject to change based on the market conditions and policy of the Bank.
Repayment Method
Equated monthly installment.
Other fees & Charges
As per policy and scheduled charges of our Bank.
Tenure of the loan
Minimum 12 months - Maximum 60 months.
Deposits
Current Deposit Account
Savings Bank Account
Special Noticed Deposit Account
Fixed Deposit Account
Double Benefit Deposit Scheme
Family Maintenance Deposit
Mashik Sanchaya Prokalpa
Quarterly Benefit Deposit Scheme
1.5 Times Benefit Deposit Scheme
Advance Benefit Deposit Scheme
Loans
Consumers Credit Scheme
Doctors Credit Scheme
Rural Development Scheme
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Any Purpose Loan
Education Loan
Car Loan
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House Furnishing Loan
Cottage Loan
Overseas Employment Loan
E T P / Bio-Gas / Solar Energy Loan
Krishi / Polli Loan
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