EBL Home Loan

Beginning in 1992, EBL is now considered a leader in the market, focusing on core strengths in IT, corporate governance and service excellence. Today, EBL stands for service excellence, product innovation and a world class banking experience. The most awarded bank in the country, EBL is also the first bank to be rated by the world's top rating agency by Moody's and has been awarded with the Best Retail Bank in Bangladesh accolade for the last six consecutive years.

Onboarding Rate for all disbursements (New and Top Up) from April 01, 2023

Loan Types	Regular Conventional Home Loan & Saadiq Home Finance	Onboarding Rate For all disbursements (New and Top Up)
Takeover	All Segment of Clients	8.50%
Home Loan	Flat,Building,Commercial	8.50%

• Age: 22 years
• Minimum monthly Income: BDT 30,000 / month
• Guarantor (if any): not required
• Job/work experience: Min 2 years
• Age of Trade License or Business experience: Min 3 years

• Loan up to BDT 2.00 Crore
• Loan up to 70% of property value
• Maximum tenor 25 years
• Grace period allowed
• Life Insurance coverage (optional)
• Competitive interest rate
• Advance/Partial prepayment allowed
• Property Age – Max 25 years at the time of loan sanction and Max 45 years at the end of loan tenor

• Early settlement fee: 0.575% of the principal outstanding
• Early settlement conditions: allowed after 6 monthly installment payments
• Partial/Full settlement fee: 0.575% of the principal outstanding
• Partial settlement: 0.575% of the principal outstanding
• Full settlement: 0.575% of the principal outstanding

• Salaried: Tk. 30,000
• Businessman: Tk. 50,000
• Professionals: Tk. 40,000

• Salaried individuals
• Businessperson
• Landlord
• Professionals

Property related documents:
Freehold properties:

• Deed of Agreement (between Purchase & Seller)
• Deed of Agreement (between Developer and Land owner) if applicable
• Bia-Deed (Chain of Ownership)
• Sale Deed (Last original Sale Deed)
• Power of Attorney (between Land Owner & Developer) if any
• Up to date Ground Rent Receipt (Land Tax Receipt)
• Up to date Municipal Holding Tax Payment Receipt
• Up to date NEC (Non Encumbrance Certificate)
• Mutation Parcha with DCR (Certified by Assistant Commissioner)
• Certified C.S./S.A./R. Parcha
• Toshdik by Mahanagar Jarip Parcha
• RAJUK/CDA/Municipality Approval Letter with plan
• Any other documents as required by the Banks appointed Lawyer

Leasehold properties:

• Original Lease Agreement
• Lease Deed (Last ownership deed)
• Bia-Deed (Chain of Ownership)
• Possession handover letter
• Land measurement report
• Power of Attorney (between Land Owner & Developer) if any
• Power of Attorney accepted by the concerned authority
• Deed of Agreement between Developer and customer if applicable
• Mutation Parcha with DCR (Accepted by concerned authority)
• Up to date Ground Rent Receipt (Land Tax Receipt)
• Up to date Municipal Holding Tax Payment Receipt
• Up to date NEC (Non Encumbrance Certificate)
• Toshdik by Mahanagar Jarip Parcha
• RAJUK/CDA/Municipality Approval Letter with plan
• Any other documents as required by the Banks appointed Lawyer

Income related documents: Salaried Individual:

• National ID Card – APPLICANT & CO-APPLICANT
• 2 copies recent colored photo – APPLICANT & CO-APPLICANT
• Letter of Introduction (LOI) as per EBL format
• Proof of 3-year service experience (if applicant’s employment period in present service is less than 3 years)
• Latest 3-month Pay Slip showing all breakdowns (if any)
• Latest 12-month Bank statement
• TIN Certificate and latest tax return acknowledgement copy
• CIB undertaking
• Any other document deemed necessary

Business Profile:

• National ID Card – APPLICANT & CO-APPLICANT
• 2 copies recent colored photo – APPLICANT & CO-APPLICANT
• Trade license copy (latest 3-year and inception)
• Certificate of Incorporation (for limited companies)
• Memorandum and Articles of Association, latest Schedule X & XII (for limited companies)
• Registered Partnership Deed (for partnership business)
• Latest 12-month Bank statement (Company & Self)
• TIN Certificate and latest tax return acknowledgement copy
• CIB undertaking
• Any other document deemed necessary

Documents (Landlords):

• National ID Card – APPLICANT & CO-APPLICANT
• 2 copies recent colored photo – APPLICANT & CO-APPLICANT
• Title Deed of rented property
• Valid rental deed copy
• Latest 12-month Bank statement with 30% rental income reflection
• Utility bill copy in the name of applicant for rented property
• TIN Certificate and latest tax return acknowledgement copy
• CIB undertaking
• Any other document deemed necessary

Documents (Professionals):

• National ID Card – APPLICANT & CO-APPLICANT
• 2 copies recent colored photo – APPLICANT & CO-APPLICANT
• Certificate of professional degree and certificate of membership from professional body (for proof of 3-year practice)
• Income declaration
• Latest 12-month Bank statement
• TIN Certificate and latest tax return acknowledgement copy
• CIB undertaking
• Any other document deemed necessary