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| Lease Financing » General Equipment, AC, Lift, Generator etc. |
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| General Equipment, AC, Lift, Generator etc. |
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| Customer Segment |
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Any Bangladeshi individual or organization who has the means and capacity to repay bank loan. In specific terms, these could be salaried executives of multinational and middle to large size local corporate, Government officials, Officials working in reputed NGOs (Non Government Organisations), international aid agencies & UN bodies, any tax paying businessmen of repute, any employed / self-employed tax-paying individual having a reliable source of income. |
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| Loan Period |
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Maximum 4 years. |
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| Security/ Collateral: |
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Pubali Bank Limited will overall owner of the lease asset although the leasee will use the lease assets. |
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Post dated cheques for each monthly instalment. |
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Land, building etc. will be treated as auxiliary security of lease financing. |
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FDR lien and pledge are acceptable to bank. |
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Bank/Insurance guarantee will be treated as security. |
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Every director/owner will provide guarantee in case of company that will beneficiary of lease assets. |
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In case of Group Company corporate guarantee will necessary. |
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In case of Company first charge/additional charge on fixed and floating assets and book debts must do. |
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| Monitoring/Supervision Commission |
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Non refundable BDT. 1.00% on Acquisition Cost. |
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| Risk Fund |
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BDT. 1.00% on Acquisition Cost will be recovered at the time of instalment recovery. |
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| Bank Interest |
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BDT. 9.00% or negotiable interest rate. |
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| Penal/Overdue Interest |
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Penal interest shall be charged @ 2% over the normal rate on the defaulted instalments. |
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| Repayment Method |
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Monthly from the next month of disbursement. |
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| Disbursement Mode |
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After loan approval vendor will receive a Pay Order. |
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| Down Payment |
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Customer should pay the down-payment before disbursement. |
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| Verification of Personal Details and Quotation |
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Details of an applicant to be verified by the agent before an approval is accorded. |
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Letter from employer with details of employment and salary |
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Borrower and Guarantors (if any) details (addresses – both present and permanent, all telephone numbers of residence, office & mobile no.) |
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Personal net-worth statement |
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Product quotation |
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Bank statement |
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| Substantiation of Income |
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Proper substantiation of income will be mandatory. |
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All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose: |
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Last Tax Return and latest income tax clearance certificate |
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Bank Statements for minimum last 6 months |
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Personal Net-Worth Statement |
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Any other document that may stand as a proof of income |
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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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.;l |
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| Foreign Currency Rates |
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| Currency |
Buying |
Selling |
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| USD |
108.50 |
108.90 |
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| EURO |
118.60 |
122.20 |
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| GBP |
133.85 |
139.25 |
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