IPDC Home Loan

IPDC Home Loan

Enjoy a cup of tea in a lazy afternoon with your loved ones at your own balcony. Wait no more! IPDC is lending its hand to build your desired home, hassle-free!

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AM I ELIGIBLE?

You can apply for IPDC Home Loan if you are:

  • Salaried, self-employed, businessmen, and landlord. Application can be done individually or jointly
  • Age must be minimum 25 years (if income is to be considered) and maximum 65 years or retirement (whichever is lower)
  • Your verifiable minimum monthly income (Salaried: 40,000/-: Government Service: 25,000/-; Self Employed: 50,000/-; Landlord: 40,000/-)

How much loan You Can Get?

Home Loan amount depends on your repayment capability. A number of factors such as your monthly net disposable income, age, qualifications, value of the immovable property, number of family members and dependents, monthly expense, other fixed obligations, nature of job/business, savings habits etc. are taken into consideration.

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AMOUNT IN BDT.
Months
INTEREST RATE


Documents Required

Forms:

  • Application form (Filled and signed)

Identity Document:

  • Copy of NID or Passport (applicant’s and guarantors)
  • Photographs (applicant’s and guarantors)
  • Utility bill copy
  • E-Tin

Income Document :

1.If you are Employed

  • Employment Certificate
  • Latest Salary Slip/ Salary Certificate showing all documents
  • Bio-Data/ C.V.
  • Bank statements for last 12 months

2. If you are Self- Employed [Business Person]

  • Trade License of the business
  • Copies of individual income-tax returns and assessment orders for the last three years along with the statement of income
  • Profit and Loss Account and Balance Sheet of your business for last three years
  • A note giving information on the nature of your business/ profession, form of organization, clients, suppliers etc.
  • Bank statements for last 12 months

Other Income Documents:

  • Copies of Ownership Document & Rental Agreement, if you have rental income
  • Copies of Savings Instrument (if any)
  • Similar proof of other income

Property Document:

  • Documents and agreements related to property ownership

Loan Term and Amount:
Home loan can be availed for up to 25 years and any amount supported by income.Generally, IPDC offers home loan 85% of the property value. The actual term and amount depends on the property value and customer profile.

Loan Term and Amount

Home loan can be availed for up to 25 years and any amount supported by income.
Generally, IPDC offers home loan 85% of the property value. The actual term and amount depends on the property value and customer profile.

Home Loan Application Form