Personal Loan

We have so many needs, some are attainable with our means & standing and some are unattainable. The unattainable needs can be met by TBL. "Personal Loan'

OVERVIEW

Purpose:

  • House Renovation
  • Furniture
  • Purchase of Personal Computers / Electronics
  • Travel expenses
  • Marriage expenses
  • Medical / Treatment
  • CNG Conversion / Vehicle repair
  • To meet any other emergency financial needs

Loan Limit: BDT .50 Lac - BDT 20 Lac
Interest Rate: 13.00%

Tenor: 1 year – 5 Years

Minimum Down Payment: 50%

Segments:
Salaried Executives, Businessperson,  & Self employed professionals (Landlord/ Landlady, Architect, Engineer, Consultant etc.).
Age: Min. 25 years at the time of Application
Max. 65 years or Upto retirement age (whichever is Lower) at the end of Loan Tenure

Experience:
Salaried Executives:

i) For Salaried Executives (other than Government)

Minimum 2 years of Total & uninterrupted Service Experience at reputed organizations and must be a permanent & confirmed employee at the time of application.

  • Minimum 06 months of Service Experience as a permanent employee with the same reputed organization & must be a Confirmed employee on the date of Loan Application.

 ii) For Govt. Employees: Minimum one year from the date of Joining

Business person:
Minimum 3 years of proven business experience in the same nature of business
Doctor, Engineer & Other Self Employed Professionals:

Minimum 2 years of proven experience in the same field of expertise

Common Required documents:

- Recent passport size color photographs of applicant and guarantor(s)

- Copy of NID/passport of applicant and guarantor (s)

- Copy of Latest utility bill (gas/water/electricity/municipal tax)

- Quotation of purchased item/ Customer Declaration for cost purpose

- Business card/copy of office ID of applicant and guarantor(s), if any

- Copy of Latest tax clearance certificate/E-TIN

- Latest 12 months bank statement for businessmen (06 months for others)

Additional documents required for Salaried Person/Self Employed:

- Original Salary Certificate/Letter of Introduction 

- Copy of Pay-slip

- Offer letter/Release letter from previous employer to prove service experience

- Professional certificate issued by concerned authority

Additional documents required for Businessmen:

- Copy of latest trade license

- Copy of Registered Partnership Deed & Form I (Partnership Firm)

Additional documents required for Landlord:

- Copy of property title deed and latest mutations

- Copy of valid rental deed with tenants

- Copy of utility bill copy

- Copy of latest ground rent receipts and municipal tax receipts