Personal Banking
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Frequently Asked Questions(FAQ)
• Salaried Individuals
• Professionals (Doctor, Engineer, Architect, FCA, CA etc)
• Landlord/Landlady
• Businessperson (having existing mortgage security with DBBL)
Tk. 50,000.00
4. What is the maximum loan amount?Tk. 20, 00,000.00
For NRBs: Maximum Tk. 10,00,000/-
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
For NRBs At least 1 year regular remitters through official channel
Yes
12. What is the minimum income to be eligible for Personal Loan?
For Salary A/C with DBBL: Tk. 40,000/-
For Salary A/C with other Bank: Tk. 80,000/-
For Bankers (Salary A/C with any Bank): Tk. 40,000/-
For Govt. Employee (Salary A/C with any Bank): equivalent to gross salary of 1st slab of 9th grade Officials
For Professionals /Landlord/Landlady/ Business Individuals: Tk. 80,000/-
For NRBs (i) inward remittance through DBBL: Tk. 40,000/-
(ii) inward remittance through other Bank: Tk. 80,000/-
Maximum 0.50% 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?0.50% of the adjusted amount.
16. What is the Early Settlement Charge in personal loan?0.50% 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. Can Non-Residents Bangladeshi (NRBs) apply for Personal Loan?Yes
20. What are the required documents to apply for a Personal Loan?General Documents:
• 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
For NRBs: (i) Valid Passport
(ii) Work Permit attested by the foreign embassy/consulate office
*Conditions Apply
• To buy new or old house/ flat
• To construct / extend of house/ apartment
• To renovate/ alteration of existing house/ flat
• Taking over of the existing housing loan from other Bank/ Financial Institution
• Refinance of an own availed flat/house (date of purchase /handover/ completion of construction will be no later than 2 years)
• Salaried Individuals
• Professionals (Doctor, Engineer, Architect, FCA, CA etc)
• Landlord/Landlady
• Businessperson
Tk. 200,000.00
4. What is the maximum loan amount? Tk. 20,000,000.00 or up to 70% of the property value whichever is lowerFor Renovation purpose only: Maximum Tk. 20,000,000.00 or up to 1/3rd of the property value whichever is lower. 5. What is the minimum loan tenor?
12 months
6. What is the maximum loan tenor?Up to 25 years
7. What is the minimum age to apply for a Home Loan?18 years.
8. What is the maximum age? • Maximum age of applicant: At the end of loan tenure, 70 Years for Sole/1st Applicant
• No age limit for co-applicant
Tk. 30,000.00
10. What is the processing fee of Home Loan?Maximum 0.50% or TK 15,000/- whichever is lower for Loan amount up to Tk. 50 Lac. Maximum 0.30% or TK. 20,000/- whichever is lower for Loan amount above Tk. 50 lac as per the schedule of charges of DBBL.
11. Can partial payment be made anytime of Home Loan?Yes. Partial payment can be made anytime.
12. What is the charge of partial payment of Home Loan?0.50% of the adjusted amount.
13. What is the Early Settlement Charge in Home Loan?0.50% of the settled amount.
14. How to repay Home Loan?Through equated monthly instalment (EMI).
15. What is the disbursement mode in Home Loan?
For Construction / Renovation:
The loan will be disbursed one-time or in installments or by phases.
For Flat/House Purchase:
Loan to be disbursed directly to customer’s account and subsequently Payment Order to be made in favor of respective Developer/ Seller.
Maximum 12 months excluding the tenor of the loan.
17. What are the required documents to apply for Home Loan?
Identification and Income Documents
• NID/ Smart Card
• Utility Bill Copy
• Color Photograph
• Office ID /Business card
• 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.
• Rent or Lease Agreement of house / property
• e-Tin/TIN certificate / Copy of Income tax acknowledgement etc.
• Copy of Trade Licence, Memorandum & Articles of Association etc.
• Bank Statement / Income Statement etc.
Property related Documents
• Photocopy of original title deed.
• C.S, S.A, R.S, DCR, Mutation and latest math Porcha
• Mutation Khatian duly certified by AC Land.
• Photocopy of Mouza Map
• Photocopy of bia deeds.
• Registered partition deed, in case of ajmali land.
• Name of the land owner(s) along with their particulars mentioning age, qualification and detailed profession.
• Up to date Non-Encumbrance Certificate.
• Up to date ground rent receipt.
• No Objection Certificate (NOC) from the concerned authority for mortgaging property.
• Allotment letter of concerned authority for housing plot.
• Layout plan of the building duly approved by the competent authority i.e. RAJUK/CDA/KDA/RDA/ Chairman, Pourashava/TNO/Union Parishad Chairman
• Forwarding letter of the approved layout plan of the building by the competent authority.
• A copy of Agreement between land owner & developer
• A copy of Agreement between land owner/developer & Purchaser.
• Any others documents / papers, if required as advised by the Bank’s legal advisor but not mentioned here.
*Conditions Apply
• Purchase of new and reconditioned vehicles for personal use only.
• Refinance of an own availed car (Date of purchase no later than 1 year)
• Salaried Individuals
• Professionals (Doctor, Engineer, Architect, FCA, CA etc)
• Landlord/Landlady
• Businessperson
Tk. 100,000/-
4. What is the maximum loan amount?Maximum Tk. 6,000,000/-
5. What is the LTV in Car Loan?i) Maximum 70% of car value or Tk. 6,000,000/- (whichever is lower) for hybrid/electric cars.
ii) Maximum 60% of car value or Tk. 6,000,000/- (whichever is lower) for other cars.
12 months
7. What is the maximum loan tenor?Up to 60 months
8. What is the minimum age to apply for Car Loan?18 years.
9. What is the maximum age of primary applicant?70 years at the time of loan completion.
10. What is the minimum service/business length to apply for Car Loan? • Salaried Executives
Minimum 6 (Six) months regular/contractual employment with present employer.
• Professionals
Doctors, Architects, Engineers, Chartered Accountants, and Teachers etc.: Minimum 6 (six) months of service/ practice in the profession.
• Land Lord/ Land lady
Rental income from the house with RCC and semi-pacca structure may be considered.
• Businessman:
Minimum 1 (One) year of business establishment
For Salaried Individuals: Tk. 25,000.00
For Professionals Tk. 40,000.00
For Landlord/Landlady Tk. 50,000.00
For Business Individuals Tk. 50,000.00
Disbursement of Loan amount is done in customer account and afterwards pay order is issued in name of Car Vendor.
13. Is registration required in Car Loan?Car registration with BRTA is required before disbursement of Car Loan.
14. Is insurance required in Car Loan?1st Party comprehensive insurance (1st year only) is required before disbursement of car Loan.
15. What is the processing fee in Car Loan?Maximum 0.50% or TK 15,000/- whichever is lower as per the Schedule of Charges of DBBL.
16. Can partial payment be made anytime in Car Loan?Yes. Partial payment can be made anytime.
17. What is the charge of partial payment in Car Loan?0.50% of the adjusted amount.
18. What is the Early Settlement Charge in Car Loan?0.50% of the settled amount.
19. How Car Loan is repaid?Through equated monthly instalment (EMI).
20. Can Car Loan be applied jointly?Yes. Family Members Only (Father, Mother, Brother, Sister, Spouse, Son & Daughter only).
21. What are the required documents to apply for Car Loan?
General Documents for all:
• Loan Application duly completed and signed by the applicant
• Colour Photograph
• NID/ Smart Card
• Bank Statement
• Policy of first party comprehensive insurance
• Car Quotation
• Visiting Card
• Copy of utility bill
• e-TIN/ TIN certificate/ IT 88/ 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