EFFECTIVE FROM: NOVEMBER 24, 2019


A. Pre Disbursement Cottage Micro Small Medium Corporate Home Loan
Application Fee (VAT inclusive) BDT 200 BDT 200 BDT 200 BDT 200 BDT 200 BDT 200
Origination Cost: New Loan Application
a. Processing Cost (VAT applicable) At Actual At Actual At Actual At Actual At Actual At Actual
b. Documentation Cost (Reimbursement) At Actual At Actual At Actual At Actual At Actual At Actual
Origination Cost:Facility Renewal*
a. Processing Cost (VAT applicable) At Actual At Actual At Actual At Actual At Actual At Actual
b. Documentation Cost (Reimbursement) At Actual At Actual At Actual At Actual At Actual At Actual
Legal and Valuation Fee At Actual At Actual At Actual At Actual At Actual At Actual
CIB Inquiry Charge (Reimbursement) At Actual At Actual At Actual At Actual At Actual At Actual
Insurance Cost As per prevailing premium rate provided by the insurance company
  • *Renewal Processing Cost for PDF facility is Not Applicable, if Sanction limit is tagged with a CSF facility limit.
B. Post Disbursement
Late Payment Charge* Prevailing Interest Rate Plus 2%
Early Settlement Fee (VAT applicable)** 2% on the Settled Principal Amount
Photocopy of Land Documents At Actual
Photocopy of Agreement Papers At Actual
Collection Charge Reimbursement (after cancellation of CSF facility/ Debtor)*** At Actual
Transfer Document Issue At Actual
  • * Late Payment Charge is Not Applicable for Credit-Sale Financing facility.
  • ** Early Settlement Fee is Not Applicable for Micro and Cottage as per Bangladesh Bank definition. Also, not applicable for Working Capital Solutions
  • ** Early Settlement of Home Loan facility is allowed after 6 (six) months from the date of facility execution. Early Settlement Fee of Home Loan facility can be eliminated only after 3 years, if the settlement principal amount is less than 25% of the outstanding loan balance. This incentive is applicable only twice in a calendar year.
  • *** Collection Charge Reimbursement is only applicable for CSF Product
C. Statement Issue Cost
Any Certificate/Statement/Letter First Time: Free Repeat Issue: Free
D. Cost Reimbursement Disbursement Processing Cost Record Maintenance Cost Per Month Invoice Processing and Collection Cost
Revolving Loan 0.01%-0.05%* N/A N/A
Pre-Delivery Financing (PDF) 0.20%-0.30%* N/A N/A
Credit-Sale Financing (CSF)**** 0.01%-0.05%* BDT 100 Per Debtor** 0.25%-0.50%***
Distributor Finance 0.20%-0.30%* N/A N/A
  • * Late Payment Charge is Not Applicable for Credit-Sale Financing facility.
  • ** Early Settlement Fee is Not Applicable for Micro and Cottage as per Bangladesh Bank definition. Also, not applicable for Working Capital Solutions
  • ** Early Settlement of Home Loan facility is allowed after 6 (six) months from the date of facility execution. Early Settlement Fee of Home Loan facility can be eliminated only after 3 years, if the settlement principal amount is less than 25% of the outstanding loan balance. This incentive is applicable only twice in a calendar year.
  • *** Collection Charge Reimbursement is only applicable for CSF Product
E. Duties, Taxes, Charges & Levies
As Per Prevailing Regulations of NBR, Bangladesh Bank and Government directives.
F. Adjustment Fund Distributor Finance Revolving Loan
Minimum Balance (all time during contract period) 4.50% of Facility limit 3% of Facility limit
Required Balance (at the time of refill) 6.50% of Facility limit 10% of Facility limit