Home Loan in Bangladesh: Interest Rates and Requirements 2025

Introduction

Buying a flat or building a house is a major financial decision. A home loan can make this dream a reality.

Current Interest Rates (Approximate)

• DBH Finance: 10.5% - 11.5%
• IDLC Finance: 11% - 12%
• BRAC Bank: 10% - 11%
• Standard Chartered: 10.5% - 11.5%
• IFIC Bank: 11% - 12%

Note: Rates fluctuate based on Bangladesh Bank policies. Always check with the bank for the latest rate.

Related: Best Credit Cards in Bangladesh: A Comprehensive Review

Eligibility Criteria

• Age: 21 to 65 years.
• Income: Minimum monthly income of ?40,000 - ?50,000.
• Experience: 2-3 years of work experience (for salaried) or 3-5 years of business history.

Loan Amount and Tenure

• Loan Amount: Up to 70% of the property value (maximum ?2 Crore).
• Tenure: Up to 25 years.

Required Documents

• NID and Photos.
• Salary Certificate / Trade License.
• Bank Statements (last 6-12 months).
• Property Documents (Deed, Mutation, Plan approval).
• TIN Certificate and Tax Return copy.

Hidden Costs to Watch Out For

• Processing Fee (0.5% - 1%).
• Legal and Valuation Fees.
• Early Settlement Fee (if you pay off the loan early).

Conclusion

Compare the EMI (Equated Monthly Installment) of different banks. Choose a lender with transparent terms and good customer service.