Providing House Building Loan facilities to the permanent employees of the Government & Judicial Service Holder for construction of house/ construction of house including land purchase individually
or jointly and for purchasing ready-made flat/house in any area of the country.
This product is regulated by the Government Circular No.07.00.0000.206.99.007.19-47 dated 06.03.2019.
Features:
The loan may be taken for the following purposes:
- Construction of house (single or group).
- Construction of house with land purchase (single or group).
- Purchase of Ready-made flat/ house.
- To takeover of existing personal home loan from any other Bank / Financial Institution.
Loan Amount: upto Tk.75.00 lac.
Loan Equity Ratio: 90:10.
Flexible repayment of maximum 20 years.
Interest Rate: 9% simple rate (Client: 4% + Govt. Subsidy: 5%).
Processing Fee: Nil.
No Hidden Charge.
Easy documentation & quick processing.
Option for early & partial settlement.
Eligibility:
Only permanent Govt. employees are eligible for this scheme. Contractual, Part-time, Temporary Govt. Employees are not eligible for this scheme. Employees under suspension, under Divisional trial procedure,
charge sheeted in any case are not eligible for this scheme until Final Settlement.
Applicant must have salary account with Pubali Bank PLC.
Age Limit: Minimum 21 years & Maximum 58 years.
Group member will be maximum 30.
The property must be constructed as per approved plan of the competent authority.
Required Documents:
Copy of National ID of Applicant & Guarantor.
3 Copies of recent lab printed passport size photograph of applicant and guarantor(s).
Copy of latest Income Tax Clearance Certificate/ Tax Return/ Tax Acknowledgement Receipt of the applicant.
Bank Statement.
Property related documents for legal & technical assessment of the property.
Salary Certificate from competent authority.
Security:
Registered mortgage.
Personal Guarantee.
Authorization for debiting client's deposit account for collection of EMI.
Required No's of fully prepared post dated & valid signed MICR cheques with Memorandum of Deposit of cheques.
Loan Forms:
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সাময়িক অনুমোদন পত্র (ফ্ল্যাট ক্রয়)
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সাময়িক অনুমোদন পত্র (ফ্ল্যাট ক্রয়-যৌথ)
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সাময়িক অনুমোদন পত্র (বাড়ি নির্মাণ)
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Please contact your nearest PB PLC. Branch/ Sub-Branch/ IBW countrywide, or directly contact
Tel.02-223381614 Ext. 380, 490, 47118710, 47118827; IP +88 09666821816 or e-mail us at [email protected]