Dhaka Bank Home Loan

Dhaka Bank Home Loans will give you the security of paying principal and interest rates for the life of the loan, a fixed repayment schedule, and potential tax benefits. To secure the future of your family Dhaka Bank serves to make your life easy and fruitful.

Home Loan Features

Title	Features
Maximum Loan Amount	BDT 2.0 crore
Maximum Loan Tenure	Up to 25 Years
Equity Ratio	70:30
Purpose of the Loan	Purchase Flat, Home Construction /Loan Takeover from other institutes
Early Settlement Fee	0.50% + VAT (on outstanding amount)

Dhaka Bank Home Loan Eligibility

• Only Bangladeshi National
• Corporate / Individual Client
• Employees of Multinational Company
• Employees of Bank/Non-Financial Institution
• Doctor/Engineer/Chartered Accountants/Defense Officers/Teaching Staff of Reputed Institution

Required Documents

• Recent 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 Income Tax Certified Copy of IT10B of Applicant/Co-Applicant (If Any), Spouse (If Available), 3rd Party Guarantor (If Available) Duly Attested by the Branch Manager
• Bank Statement:
  • For Salaried Person: Last Six Months
  • For Businessperson &
  • Others: Last One Year
• Sanction Copy & Loan Account Statement (If Any Active Loan)
• Price Quote Duly Accepted by Client
• Recent Utility Bill (Electricity bill of residence is Self-Owned/Parent Owned/Family Owned)

Required Documents

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 Issue Date)
• Notarized Partnership Deed (If Partnership Concern)
• RJSC Certified MOA, COI, Form-XII & Schedule X (If Limited Company)
• Registered Company Bank Statement for the Last 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 Professionals Certificate (If Any)
• Self-Declaration in Personal Letter Head Regarding Monthly Income

BMDC Certificate for Doctor

• Copy of ownership deed
• Copy of paid utility bill (gas/electric)

Bar Council Membership Certificate for Lawyer

• 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 Manager
• 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

For Property Owner for private land

• Ownership / Lease Deed
• Baya Deed for 21 Years (Original / Certified)
• Recent Survey Report (Recent Mat Parcha Duly Attested)
• 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 only

• Documents For Apartment
• Ownership Deed
• Baya Deed for 21 Years (Original / Certified)
• Development Agreement between Developer and Landowner & Agreement between Developer and the Applicant
• Power of Attorney (If Any)
• Recent Survey Report (Recent Mat Parcha Duly Attested)
• Mutation Parcha
• Up to Date Non-Encumbrancece Certificate” for 13 Years
• Project Brochure Including Price Details
• Developer’s Profile
• Memorandum and Articles of Association of the Developer
• Approved Plan and Approved Letter by RAJUK/Concerned Authority
• Latest Land Tax Receipt
• Title Report on the Land by the Developer’s lawyer
• Work in Progress Report of the Project

Read: The Best Home Loan in Bangladesh

Frequently Asked Questions (FAQs) on Dhaka Bank Home Loan

Q: What is a home loan?
A: A home loan is a financial arrangement where a bank provides funds to a customer, enabling them to purchase a house or flat.

Q: What is the interest rate for a home loan with Dhaka Bank?
A: The interest rate for a home loan typically ranges from 7.00% to 9.00%.

Q: How much is the home loan processing fee in Dhaka Bank?
A: The home loan processing fee at Dhaka Bank is 0.5% of the loan amount plus VAT.

Q: Does Dhaka Bank provide loans to government employees to purchase plots?
A: Yes, Dhaka Bank offers loans to government employees for the purchase of plots.

Q: Who will verify and attest the loan documents?
A: The loan documents are duly attested by the Branch Manager of Dhaka Bank.

Q: Who can apply for a house/flat loan from Dhaka Bank?
A: You can apply for a house/flat loan by visiting the nearest branch, contacting via mobile phone or TnT at 16225. Additionally, any eligible customer can apply online through the “Apply Online” portal.