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Welcome

On

LankaBangla Home Loan

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Our Services

Purchase of Apartment or House or Commercial Space or Land

Construction of Apartment or House or Commercial Building

Renovation and Restructuring of Apartment or House or Commerciaspace/Building

Any purpose Loan against Mortgage of the existing Property

Purchase or Renovation of Professionals chamber

Loan Takeover from any other Bank/ FI.

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Why you Choose to LankaBangla Home Loan?

Equal consideration and approval procedures for allprofessionals including businessman.

Fixed and Variable Interest rate any one can

choose. Interest calculated on monthly reducing balance

basis

Option to pay only interest during constructionperiod.

Maximum Loan amount BDT 100 million(flexible; if client sprofile meet with the security and cash flow)

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Why..

Loan up to 70% of total Property value along with Car parkingspace and Registration cost

Highest Loan facilities for Non-resident Bangladeshi.

Early Settlement option; to pay only Prepayment Fee 2% plusVAT on outstanding principal amount.

Partial Prepayment option; without any service charge

Restructuring Loan Term any time without any service charge

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Approval within shortest possible time.

Approval of Home Loan before purchase of apartment.

Partial Disbursement Option

Loan Disburse during the Construction stage

Disburse against TPA or Registered Mortgage

Considerable for partly cash salary and

Grace Period maximum 12 months

Why

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No Relationship Fee!

For; any Phone call

any letter issue any visit at Office or Home

reducing or increasing loan tenure

any statement / certificate

EMI cheque dishonor any partial prepayment

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Repayment

Equated Monthly Installments(EMI)

Structured Repayment as per clientsrequirement

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Collateral Security

Registered Mortgage of the Apartment /House/Commercial space/Land

Registered Mortgage through TPA of the Apartment

Deposit of Title Deeds through Tri-partiteAgreement. (Equitable Mortgage)

Third-Party External Personal Guarantor (wherever

applicable).

Any other security on special case

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Borrowing and Lending of FUND!

say any Bank / FI is borrowing fund inform of TDR andTerm Loan @ 14 % to 14.50 % p.a. how they Lending @16% or 17% p.a.beside this 1% general provision is

required as Bangladesh Bank Policy plus commission on TDRcollection and management expenditure

i.e. they are doing business for loosing, obviously not;they will make profit from this scenario

now question HOW?

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Interest Calculation?

Lender offer Monthly, Quarterly, Half yearly orAnnually resting for interest calculation?

say I offer interest @15% p.a. for BDT 1,000,000 for

15 years as monthly reducing method then EMI is BDT13,996

Quarterly resting EMI BDT 14,043, half yearlyBDT 14,113, yearly BDT 14,252

However, If I offer Flat rate @10.13% p.a. forthe same amount and period then EMI is BDT13,997

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Documentation for client

Very simple!for Salaried person

Salary Certificate

TIN Certificate, NID

6 months Bank statement

for Businessman

Tax Return/IT-10B and NID

12 months Bank statement Partnership deed/ Trade License

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THANK YOU

Mortgage Loan Division