NCC Bank Abashan Loan
- Purchase of Residential House (Semi-pucca, Pucca-one storied with concrete roof & multi-storied building)
- Construction of House (Semi-pucca, Pucca-one storied with concrete roof & multi-storied building)
- Renovation of Residential House (Semi-pucca, Pucca-one storied with concrete roof & multi-storied building)
- Takeover of current balance of (Semi-pucca, Pucca-one storied with concrete roof & multi-storied building) loan from any other Bank/NBFI
Target Segment:
- Salaried
- Self-employed professional
- Businessman
- Landlord/Landlady
Age Limit:
- Minimum: 21 Years
- Maximum: 65 Years but for salaried segment, maximum age is 60 years or retirement age whichever is earlier
Loan Limit:
- BDT 200,000.00 to BDT 5,000,000.00
Loan Tenure:
- 1 to 10 years (One storied/Multistoried)
- 1 to 8 years (Semi-Pucca)
Loan to Value ratio: 70:30
Minimum Income:
- For Salaried: BDT 20,000.00
- For Self Employed Professional: BDT 40,000.00
- For Businessman/ Landlord /Landlady: BDT 50,000.00
- Salaried employees having at least two years of confirmed service
- Self-employed professionals i.e. Doctor, Architect, Engineer, Chartered Accountant etc who are engaged in independent profession having minimum 2 years of experience
- Businessman having minimum 3 years of engagement in business
- Landlord/Landlady (Rental Income Holder): Not required
- Passport size photographs of Borrower and Co-Borrower
- Copy of Up-to-date TIN certificate/Tax Return copy / Tax acknowledgement
- Detail cost estimation from qualified engineer (civil) for construction & renovation
- Ownership documents (Title Deed/Mutation/Updated land tax)
- Valuation and Lawyer opinion
a) Salaried Person
- Letter of Introduction (LOI)/Salary Certificate/Pay Slip/Cash Voucher
- Latest 06 month's salary A/C statement
- Copy of office ID & Business card
b) Businessman
- Trade License (Last 3 years)
- Last 12 months bank statement
- Registered partnership deed for partnership firm
- MOA, Certificate of incorporation, Schedule-X, Form-XII for limited company
- Company TIN / BIN/ Tax Acknowledgement copy, VAT certificate and Business card of the company
c) Self-employed Professional
- Certificate of professional degree
- Copy of affiliation of relevant professional institution
- Bank statement with professional income reflection
d) Landlord/Landlady (Rental Income Holder)
- Ownership document of rented property (Title Deed/Mutation/Updated land tax)
- Bank statement of last 12 months with rental reflection
