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Swapna Neer Home Loan

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Housing is one of life's most rewarding challenges. Meet this challenge to build your new home or purchase your new flat through our lucrative home loan facilities with the best competitive rate and flexible repayment schemes. Prime Bank's Swapna Neer Home Loan helps you to fulfill your dream. Fulfilling your dream is our satisfaction. This minimal documentation required loan skim is suitable for all kinds of local people involved in service or business.

Features

• Maximum 70% of purchase price of new apartment/ home.
• Maximum 70% of the total cost of construction of home.
• Maximum 60% of purchase price of old apartment/ home and repairing cost, if any.
• Processing fee 1.25% of the loan amount for fresh applicants and 0% for the takeover loans.
• Additional loan amount is available for Takeover Loan.
• 3-24 months grace period *.
• Phase disbursement is allowed.
• Automatic realization of monthly installments.
• Flexible repayment schedule.
• Shortest loan processing time.
• Loan facility for both Lease hold and free hold properties.
• Tri Partite Agreement (TPA) allowed up to 24 months *.
• Joint applicant allowed.
• Early, full and partial settlement allowed.
• Competitive interest rate.

Purpose

• House/ Apartment purchase not older than 15 years.
• Construction and extension of house/ apartment not older than 15 years.
• Takeover of existing home loan from other Banks/ Non Banking Financial Institutions not older than 15 years.

Customer Segment

• Employees of Multinational Companies (MNCs) and Large Local Corporate (LLC), foreign NGOs, aid agencies, UN bodies.
• Contractual employees working as consultant/ advisor/ researcher of UN organization/ADB/ World Bank/ International NGO's/ other international organizations.
• Professionals, employees of Government/ Semi Govt./ Autonomous bodies/ Banks/ Financial Institutions and medium/ small enterprises.
• Landlord/ Landlady.
• Businessmen.

Customer Eligibility

• For permanent and confirmed salaried person, minimum one year experience with 6 months employment in present organization.
• For Businessmen one year experience in the same line of business.
• For Landlord/ Landlady having 6 months rental income continuation.

Age Limit

• Minimum: 22 Years (at the time of application).
• Maximum: 65 years (at the end of loan tenor).
• Age limit can be relaxed in case of joint applicant provided.

Minimum Gross Salary/ Income

• BDT 40,000.00 for salaried person of MNCs, LLC, Foreign NGOs and UN bodies.
• BDT 45,000.00 for salaried person other than MNCs, LLC, Foreign NGOs and UN bodies.
• BDT 30,000.00 for Govt. employees.
• BDT 50,000.00 for Landlord/ Landlady.
• BDT 55,000.00 for Businessmen.

Joint Applicant

• Spouse, father, mother, daughter, sister, son brother and in-laws

Loan Amount

• Minimum BDT 5,00,000.00
• Maximum BDT 1,20,00,000.00

Loan Tenor

• Maximum loan tenor is 25 years.

Security Collaterals

• Registered mortgage of the concerned property.
• Registered irrevocable power of attorney (RIGPA).
• Insurance coverage.
• One personal guarantee.

Required Documents

• Recent passport size color photographs of applicant(s) and guarantor(s).
• Photocopy of NID/ passport/ driving license of applicant(s) and guarantor(s).
• Copy of latest utility bill (gas/ water/ electricity/ municipal tax).
• Business card/ office ID copy of applicant(s) and guarantor s), if any.
• Latest tax certificate/ E-TIN.
• Personal net worth statements of applicant(s) and guarantor(s).
• Bank statement of last 12 months for businessmen and 6 months for other categories.
• Rent or lease agreement of house/property (if applicable).

Additional documents required for Salaried Person/ Self Employed

• Salary Certificate/ Letter of Introduction.
• Offer letter/Release letter from previous employer to prove service experience.
• Professional certificate issued by concerned institution.

Additional documents required for Businessmen

• Copy of trade license.
• Memorandum of Association and Articles of Association of the company.
• Certificate of Incorporation.
• Latest form xii.
• Partnership deed.

Additional documents required for Landlord/ Landlady

• Title deed of premises/ property.
• Valid rental deed with tenants.
• Utility bill copy.
• Ground rent payment and municipal tax payment receipt.

* Condition Apply
Prime Bank may request for any other relevant documents, if necessary.

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About Prime Bank PLC

Prime Bank PLC, one of the leading private sector banks in Bangladesh, was established in 1995 with the vision of becoming a prominent and customer-centric financial institution. It started its journey as a private limited company and later converted into a public limited company. Since its inception, Prime Bank has been committed to providing a wide range of banking services to its customers, contributing significantly to the economic development of the country. Over the years, the bank has grown substantially, establishing a strong presence in both urban and rural areas. As of now, Prime Bank has a vast network of branches and ATMs across the country, serving millions of customers.

The bank's history is marked by a series of progressive steps to modernize its services. Initially, Prime Bank focused on traditional banking, offering savings and current accounts, as well as loans and advances. However, as the banking sector evolved, so did Prime Bank, embracing technological innovations like online banking, mobile banking, and digital payment systems. The bank has continuously updated its infrastructure, ensuring that it stays ahead in a competitive industry. Today, Prime Bank is known for its robust financial solutions and commitment to quality customer service.

Prime Bank offers a broad spectrum of banking services, catering to both individuals and businesses. For individual customers, the bank provides traditional savings and current accounts, fixed deposits, and various types of loans, including personal loans, home loans, and car loans. It also offers credit card facilities, enabling easy access to financial services for customers with varied needs. For businesses, Prime Bank provides a range of services such as trade finance, working capital finance, and SME (Small and Medium Enterprise) financing. The bank plays a crucial role in facilitating domestic and international trade by offering services like letter of credit (LC), foreign exchange, and remittance services.

In addition to these services, Prime Bank has made significant strides in enhancing its corporate social responsibility (CSR) initiatives. The bank is actively involved in supporting education, healthcare, and community development projects. It has also been focused on sustainable banking practices, aligning with global standards for environmental and social governance (ESG).

Throughout its history, Prime Bank has received numerous accolades for its performance and contributions to the banking sector. Its commitment to excellence and customer satisfaction has made it one of the most trusted banks in Bangladesh. With a strong financial foundation, a customer-oriented approach, and a constant focus on innovation, Prime Bank continues to play a pivotal role in the growth of Bangladesh's banking industry.