IDLC Home Loan

IDLC Home Loan: Live in the Freedom of Your Own Home

IDLC home loan, often referred to as a mortgage, is a financial arrangement designed for the purpose of acquiring or maintaining a residence. The borrower commits to repaying the borrowed amount to the lender over a specified period, typically through a sequence of regular payments that encompass both the principal (the initial loan amount) and the interest. This loan is typically secured by the property itself, which serves as collateral to mitigate the lender’s risk.

Advantages of a Home Loan
There are numerous advantages associated with obtaining a home loan, which include:

  1. Affordability: Home loans provide individuals with the means to purchase a home they might not otherwise be able to afford outright.
  2. Leverage: Home loans allow borrowers to leverage their investment by borrowing funds to acquire a home that exceeds their current savings, potentially leading to increased property value over time.
  3. Tax Benefits: In many countries, the interest paid on home loans is eligible for tax deductions, resulting in potential savings on annual taxes.
  4. Equity: As you steadily repay your home loan, you gradually accumulate equity in your property. Equity represents the disparity between your home’s value and the outstanding mortgage balance. This equity can serve as collateral for additional loans, enabling financing for purposes such as home improvements or education.

1. Apartment Purchase Loan

Experience the joy of owning your own home. A home is where dreams take flight, where happiness finds its roots, and where every chapter of life unfolds. With IDLC Apartment Purchase Loan, you can step into the world of homeownership with confidence, embracing the full freedom of your own space.


  • Loan Tenure: Up to 25 years
  • Loan Amount: Up to 80% of the apartment price, including registration costs
  • Customers can obtain a loan for apartment purchase without incurring registration costs
  • Full or partial early payment options before the loan term expires
  • Transparent process for determining the interest rate
  • No hidden charges

2. Home Equity Loan

Unleash Your Imagination

Home improvement projects can be challenging on their own, but financing them shouldn’t add to your worries. Whether you’re moving into a new home or revitalizing your existing one, IDLC’s Home Equity Loan is here to help you turn your vision of a perfect home into reality.


  • Loan Tenure: Up to 15 years.
  • Financing: You can secure up to 75% of your property’s value.
  • Flexible Repayment: Enjoy the option of making full or partial early payments on the loan amount before its expiration.

3. Home Loan Shield

Protect your family, protect your home.

Safeguard your family’s future with comprehensive life insurance coverage matching your outstanding home loan amount. IDLC Home Loan Shield is a specialized Group Life Insurance Scheme crafted to provide security to your loved ones in the event of your untimely passing. This shield assumes responsibility for the outstanding principal amount of your IDLC home loan, ensuring your cherished family is spared the burden of repayment.

Key Features:

  • Loan Tenure: Matches the total term of the covered Home Loan.
  • Loan Amount: Ranging from 50% to 100% of the total home loan, contingent upon your age, loan tenure, and outstanding principal amount.
  • Eases the financial burden on your family in the unfortunate event of the primary earner’s demise.
  • Offers the most competitive single premium.
  • Hassle-free coverage upon a simple declaration (up to a specified age limit).
  • Includes a complimentary medical examination at recognized hospitals (Borrower covers costs only if the application is declined by the Insurer).

4. Construction Loan

Build Your Dream Home

Build your dream house exactly the way you want with IDLC Construction Loan. We provide you the freedom to choose the plan and features that matter most to you when building your own home or apartment.


  • Loan Tenure: Up to 25 years.
  • Loan Amount: Up to 85% of the construction costs.
  • Loan Facility for Group Construction.
  • Expert Technical Suggestions from Skilled House Civil Engineers.
  • Loan disbursement on a phase-by-phase basis contingent on building construction progress.
  • Option for full or partial early repayment of the loan amount prior to loan expiration.

Required Documents:

To avail this loan, you will need mandatory and supplementary documents. For more information about the required documents for the Apartment Purchase Loan, please download the following PDF.

Contact Information:

Corporate Division
IDLC Finance Limited
Bay’s Galleria (1st Floor), 57 Gulshan Avenue, Dhaka 1212, Bangladesh.
Contact No: 16409, +8809609994352

Build the home of your dreams with IDLC Construction Loan.

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