লোনের জন্য ফি এবং চার্জ

A. Pre Disbursement	Cottage	Micro	Small	Medium	Corporate	Home Loan

Application Fee (VAT inclusive)	Tk. 200	Tk. 200	Tk. 200	Tk. 200	Tk. 200	Tk. 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
CIB Inquiry Charge (Reimbursement)	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 Credit-Sale Financing (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
Asset Transfer Documentation Cost Reimbursement	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. It is 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.
*** Collection Charge Reimbursement is only applicable for Credit-Sale Financing facility.

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	Temporary Limit Enhancement Cost
Revolving Loan	0.01%-0.05%*	N/A	N/A	N/A
Pre-Delivery Financing (PDF)	0.10%-0.30%*	N/A	N/A	N/A
Credit-Sale Financing (CSF)****	0.01%-0.10%*	Tk. 100 Per Debtor**	0.20%-0.50%***	At Actual
Distributor Finance	0.20%-0.30%*	N/A	N/A	N/A

* Disbursement Processing Cost reimbursement is applicable on each disbursement amount.
** ecord Maintenance Cost Reimbursement for a Credit-Sale Financing facility is minimum Tk. 300 and maximum Tk. 1,500 per month.
*** Invoice Processing Cost reimbursement is applicable on the Invoice Value
**** The aggregate amount of Disbursement Processing Cost reimbursement and Invoice Processing & Collection Cost reimbursement must not be less than 0.21%.

E. Duties, Taxes, Charges & Levies

As per prevailing regulations of NBR, Bangladesh Bank and Government directives.