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Swapna Neer Home Loan
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.

Our Swapna Neer Home Loan helps you to fulfill your dream. Fulfilling your dream is our satisfaction.
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.
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.
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.
Competitive interest rate.
Life insurance facility covering your payment obligations in the event of your death.
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.
TPA (Tri Partite Agreement) allowed up to 24 months.*
Joint applicant allowed.
Early, full and partial settlement allowed.
Customer Eligibility
For permanent and confirmed salaried person, minimum one (1) year experience with 6 months employment in present organization.
For Businessmen one (1) 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 (Taka Forty Thousand) for salaried person of MNCs, LLC, Foreign NGOs and UN bodies.
BDT. 45,000.00 (Taka Forty Five Thousand)) for salaried person other than MNCs, LLC, Foreign NGOs and UN bodies.
BDT. 30,000.00 (Taka Thirty Thousand) for Govt. employees.
BDT. 50,000.00 (Taka Fifty Thousand) for Landlord/ Landlady.
BDT. 55,000.00 (Taka Fifty Five Thousand) for Businessmen.
Joint Applicant
Spouse, father, mother, daughter, sister, son brother and in-laws.
Loan Amount
Minimum BDT 5,00,000.00 (Taka Five Lac).
Maximum BDT 1,20,00,000.00 (Taka One Hundred & Twenty Lac).
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.
*Conditions Apply
Prime Bank may request for any other relevant documents, if necessary.
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