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| Corporate Banking » Demand Loan (DL) |
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| Demand Loan (DL) |
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| Categories |
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Loan Against PF |
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Loan Against PSP |
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Loan Against Gold |
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Loan Against Other Securities |
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General HBL |
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Loan Against SSP |
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Loan Against DPS |
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Education Loan |
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Loan Against Secured Mortgage |
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Loan Against Provident Fund |
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Loan Against Transport |
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Staff House Building Loan |
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Loan Against FDR |
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Car Loan (Interest Bearing) |
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Term Loan |
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Motor Cycle Loan |
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Flood Loan |
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Non Resident Credit Scheme |
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Loan Against PPS |
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Other Loan |
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| Customer Eligibility |
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Demand loans are sanctioned to Corporate/Companies or Business Concerns or Government or Partnership companies, Proprietorship companies or any individuals and staffs. |
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Repayment is made by monthly installment or in lump sum as per sanction term. Repayment schedule may be changed if the bank changes the rate of interest or customer fails to pay Installment in due time. Sanction Limit, Installment size, no. of installments and interest rate has to be defining into the sanction letter. |
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| Sanction Details |
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Limit |
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Date of Sanction |
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Period |
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Expiry Date |
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| Loan Ceiling/Disbursement |
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Disbursement may be one time or by multiple installments up to the sanction limit. |
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Suppose limit is 15.00 Lac (15,00,000.00) only. Disbursement may be 1st installment 5.00 Lac, 2nd installment 8.00 Lac and 3rd 2.00 Lac. |
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| Moratorium or Grace period |
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Grace period should be defined for General HBL, Staff HBL and such kind of accounts. It may be Six months or Twelve months or Twenty-four months from date of opening. Example: a loan for 1,00000.00 is sanctioned on 01.01.2009 at 10% interest for 1 year. The grace period is 6 months, during grace period interest capitalisation takes place but there will be no repayment from customer. |
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| Repayment |
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Repayment will be started after the grace period. |
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Installment may be repaid from Current Deposits/Savings Bank Account or through the standing instruction. |
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Repayment of Monthly/Quarterly/Semi-annually/Yearly installments can be made in CASH through Teller transaction |
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Repayment will be completed by settlement process. |
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| Penal Interest |
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Penal Interest is not allowed for DL Accounts. |
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| Premature Adjustment |
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Allowed as usual subject to realization of accrued interest/charges if any |
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| For any query please Contact at: Tel: (PABX) 02223381614 FAX: 880-2-9564009 or e-mail us at gsdd@pubalibankbd.com |
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