How to get Sonali Bank Personal Loan

Sonali Bank Personal Loan

From the beginning of the new year, you can take a personal loan up to a maximum of Tk 20 lakh from Sonali Bank for any of your needs. And you can take this loan for a maximum of 8 years. Where all other banks in Bangladesh are giving personal loans for a maximum period of five years. There you can take a personal loan of up to 20 lakh taka from Sonali Bank for a period of eight years. If you apply for this personal loan from Sonali Bank, it will take you three to four working days to receive the loan amount. But to take personal loan from Sonali Bank you have to follow some new rules. Which is slightly different from all other banks in Bangladesh. You will know everything in detail in today's article. So read the entire text carefully. But you can easily take personal loan from Sonali Bank.

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Sonali Bank Personal Loan

You can take personal loan for any of your personal needs. Maybe you will buy some furniture for your house, buy a laptop or for any personal needs you can use this personal loan amount.

Who can apply for Sonali Bank Personal Loan

First of all salaried persons or salaried persons can apply for Sonali Bank Personal Loan. A salaried person may be you are working in a government job or you may be a teacher in an autonomous organization or an MPO affiliated organization or a school or you may be working in a private company. There your salary is deposited in your bank account or deposited in Sonali Bank account. If you fall under this category then you can apply for personal loan from Sonali Bank. Secondly, those who belong to the professional category are doctors, engineers or architects or complete CA. That means if you are doing something professionally, you can apply for a personal loan from Sonali Bank. The third is the business class. If you have a business establishment and it matches the loan requirement of Sonali Bank. Then you can take personal loan from Sonali Bank as a businessman.

If you apply for a personal loan in Sonali Bank then you will get the minimum amount and maximum amount of loan. Second is the interest rate of this loan. Third is the minimum and maximum loan tenure you will get.

If you apply for a personal loan from Sonali Bank, then you can apply for a minimum of one lakh taka and take a personal loan up to a maximum of two lakh taka . You can take this loan for a tenure of one to eight years. But here is a condition that your tenure must be eight years. Then you can take personal loan for maximum 8 years. Suppose you are doing a job now which will be your retirement after 5 years. In that case you can take this personal loan for a maximum period of five years. Sonali Bank Personal Loan interest rate is 9 percent and your loan processing fee will be .50 percent. It will be charged as per Bangladesh Bank guidelines.

What qualifications are required to take Sonali Bank Personal Loan

To take a personal loan from Sonali Bank, your first qualification is that you must be at least 18 years of age. That means you must have National ID card. Secondly, your nationality must be a citizen of Bangladesh. Third is how much your monthly income should be to take a personal loan from Sonali Bank. It will depend on the company though. However, I will tell you in detail the maximum amount of money you can take as a loan if you have a salary of Rs. Be sure to read the article till the end.

How much is the loan from Sonali Bank and how much is the monthly installment of the loan

The maximum amount you can borrow from Sonali Bank will depend on your net salary. That is, the amount of net salary you will get every month, the monthly installment or EMI of the personal loan you will take from Sonali Bank will not exceed your net salary. That is, suppose where you are working, your salary is Tk 20,000 and you deduct everything every month or you are getting Tk 16,000 in your account, then the monthly installment of the loan you will take from Sonali Bank cannot be more than Tk 16,000. It has a calculation which is provided by Sonali Bank. Then you can understand more details well. Calculations must be read carefully. Then you will understand that if you have a salary of  2000 taka, you can take maximum personal loan from Sonali Bank.

What documents are required to take a personal loan from Sonali Bank

I am telling some common documents for everyone. Here you have to fill the loan application form properly. Second is who will apply for this loan. He will need two copies of passport size photographs. A copy of his National ID card will be required and his salary certificate or pay slip will be required. Still an active mobile number is required and the Chairman's certificate or your Mayor's certificate is required. This is for your address verification. Apart from this, some other documents related to the profession you are in or the job you are doing may be required. This will be given to you in more detail by the bank when you apply for the loan.


Additional documents should be provided

You will need a guarantor from Sonali Bank for the personal loan you want to take. 2 copies of guarantor's photograph and copy of guarantor's NID card, salary certificate or pay slip and an active mobile number of guarantor are required. Apart from this, if the bank thinks that the guarantor should provide some additional documents. Then you must submit those documents along with your application. So if you want to take a personal loan from Sonali Bank, then there is a branch of Sonali Bank near you, you can go to that branch and apply for a personal loan of up to 20 lakhs from Sonali Bank.

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