How to get Dutch Bangla Bank Home Loan

 Dutch Bangla Bank Home Loan

Dutch Bangla Bank has the lowest home loan interest rate among many banks offering home loans. You can take a home loan from Dutch Bangla Bank in a very quick time. In today's article I will tell you how you can take a home loan from Dutch Bangla Bank very easily, what will be the interest rate or what documents will be required, in how many days will you get the loan.


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 Dutch Bangla Bank Home Loan

In which case you can take Dutch Bangla Bank home loan?

We all know that home loan has some segments as it gives you home loan in any case of your loan or building a house. So the segments are –

  • If you are thinking of building a new house, then you can take a home loan from Dutch Bangla Bank up to a maximum of Tk 2 crore.
  • If you have a completed one-story house, if you want to make it two-story or three-story, you can take a home loan of up to 2 crore taka from Dutch Bangla Bank.
  • If you are thinking of buying a flat. Wherever you see a flat, you like it so much that you want to buy it.
  • Whether you are buying a house or want to buy a fully ready flat house. In that case you can take home loan from Dutch Bangla. However, in the case of flats and houses, you can take a home loan from Dutch Bangla for up to 70% of the purchase price and the amount will be up to two crore taka.
  • If you want, you can take the case of renovation in your house from Dutch Bangla. Suppose you want to change the color of your house, you can take a loan. Or if you want to change the structure inside your flat. If you want to change the interior design, you can take a home loan from Dutch Bangla. In this too, Dutch Bangla Bank is giving a maximum of Tk 2 crore. The other banks that are there give you a maximum amount of 50 lakhs or 70 lakhs or 75 lakhs in case of renovation or Dutch Bangla will give a home loan of up to two crore taka only in case of your renovation.

Who can apply for Dutch Bangla Bank home loan?

  • First there are those who are salaried.
  • Professional doctor, engineer, architect or any profession you belong to. If you want, you can apply for a home loan at Dutch Bangla Bank.
  • If you are a landlord or land lord, you can apply for this home loan in Dutch Bengal
  • If you are a businessman, you can apply for a home loan.

If you decide you will take a home loan from Dutch Bangla. So now I will tell you how much the minimum and maximum loan amount will be? What is the interest rate? And how many days will the term get?


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If you apply for a home loan from Dutch Bangla you can take a home loan from a minimum of Tk 2 lakh and a maximum of Tk 2 crore Dutch Bangla Bank will give the loan and the tenure will be for a maximum of 25 years. You can take home loan from Dutch Bangla for a maximum period of 25 years. The interest rate will be 7.5%. If you take over the home loan from another bank and bring it to Dutch-Bangla Bank. In that case you can fetch 7%. And your processing fee is as per the latest guidelines of Bangladesh Bank. For loans up to 50 lakhs, the processing fee will be 0.5% up to a maximum of 15,000 taka. And in case of any loan above 50 lakhs, the processing fee will be 0.03% up to a maximum of 20,000 taka. The remaining charges, CIB, valuation fee, legal fee, CPV are at actual. The bank will only take the actual charge from you. There is no option to charge more than this.

If you want to take a loan from Dutch Bangla Bank, what qualifications do you need?

  • Firstly, if you are between the ages of 18-70, regardless of your profession, you can apply for a home loan in Dutch-Bangla.
  • National must be Bangladeshi.
  • Monthly Income: If you are salaried, professional or landlord. So if your monthly income is more than 30,000 thousand then you can apply for home loan from Dutch Bangla. And if you are a businessman. If your monthly income is more than 50 thousand taka then you can apply for home loan from Dutch Bangla.
  • You need experience. If you are a salaried person. One year experience will be required, job experience. If you are professional – Doctor/ Engineer. In that case, you can apply for the loan if you have practice in six months. Those who are landlords do not need any experience. And if you are a businessman. In that case your business should be 2 years old. However, you have to submit the trade license in two years.

What documents are required to take a Dutch Bangla Bank home loan?

There is a common document for all. That is, you will need two copies of the applicant's photo.
Copy of his NID card.
Copy of visiting card or office ID card will be required.
If you take a loan of more than 5 lakh taka. In that case you have to submit the copy of your e-TIN.
Copy of utility bill.
Besides, you will need 2 photocopies of the co-applicant.
  Photocopy of National ID Card of co-applicant will be required.
These are common documents. Apart from this, if the co-applicant requires any documents. In that case, those documents should be submitted as per the requirement of the bank.
Apart from this common document you have to submit some different documents according to each profession.

If you are salaried 

● Salary Certificate.
● Pay slip.
● Minimum 6 months bank statement required.

If you are a professional

● Certificate of Professionalism. Eg - BMDC certificate if doctor.
● Declaration of your income on letter head. You may be working where you are. Besides that, where do you sit in the chamber? How much do you earn from seeing patients? It has to be declared and one year bank statement is required.

If you are a businessman

● Copy of trade license of your business for 3 years.
● Deed if you belong to a partnership company.
● In case of limited company, MoA copy will be required.
● One year bank statement
● Company Tin or Bin Certificate.

If you are a landlord

● You need a copy of the agreement of the house you have rented.
● You have to give a declaration of how much rent you are getting.
● Copy of ownership document of this house should be given to you.
● You will need one year bank statement.
● You can apply from Dutch Bangla with these documents.



How much will be your loan EMI or installment?

Dutch Bangla Bank home loan interest rate


Loan Amount 

Interest rate

Duration

Monthly installments 

10 lakh

7.5%

5

20,038 taka

20 lakh

7.5%

10

23,740 taka

50 lakh

7.5%

15

46,351 taka

1 core

7.5%

20

80,559 taka

2 core

7.5%

25

1,47,798 taka



If you take a loan of taka 10 lakh, In that case, your monthly installment for 5 years at 7.50% interest will be Tk 20,038. If you take a loan of 10 lakh taka, your monthly installment will be 23,740 taka in 10 years. If you take a loan of 50 lakh taka for 15 years, your monthly installment will be 46,351 taka. And if you take a loan of 1 crore taka, your monthly installment will be 80,559 taka for 20 years. And your monthly installment will be 2 crore taka for 25 years. 1,47,798 will come.

Then the monthly EMI actually depends on your income, how much money you can repay the loan to the bank, you can pay the EMI every month, normally you will take it.

Some more important information about Dutch Bangla Home Loan:

You can get partial or full settlement after three months after taking the loan.
If you want to do early settlement of loan, you have to pay early settlement at the rate of 0.5% of the point in the bank.
You can apply jointly with any family member if you want. In that case, you will get more loan money.
If all your documents are correct. In that case Dutch Bangla will give you a feedback within seven working days and Dutch Bangla disburses the loan in a very quick time.
As many banks as you have in the market.
Among them, Dutch Bangla home loan translation is the least. If you want, you can speak Dutch Bangla by going to any branch or by calling.

Most importantly, you can apply for Dutch-Bangla home loan wherever you live, whether you own a house or a flat. If you belong to a municipality or you belong to a city corporation. You can apply and avail this home loan anywhere.



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