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'
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
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