CBC Home Loan comes to you on the solid foundation of trust and transparency built in the tradition of Commercial Bank of Ceylon, Bangladesh.

With our Home Loan buy a House, ready flat or under-construction or semi-completed or secondhand flat that you’ve set your heart with not just an attractive rate of interest but also an unmatched level of services. Best Practices followed in CBC mentioned below will tell you why it makes sense to do business with Commercial Bank of Ceylon, Bangladesh.

The Essentials

• Discounts on building materials
• Loans to build, purchase, renovate or settle an existing Home Loan

CBC Home Loans Unique Advantage

• Loan amount up to BDT 20 Million
• Low interest rates and interest is charged on reducing balance method
• Early settlement and partial prepayment options
• Low processing charges.
• No hidden costs or administrative charges.
• Guidance throughout the process

You could obtain a home loan for

• Purchasing a Flat or house
• Building a house
• Completing a partially built house
• Renovate, extend or complete a house
• Paying off an existing home related loan

To qualify

You should have a regular monthly income, individually or jointly with your spouse. This income should be sufficient to meet the monthly loan commitment as well as living and other expenses.

Product Features

The maximum loan amount you can obtain is flexible (but not more then BDT 2.0 Mn)

Eligibility

• Loan amount up to BDT 20 Million
• Equity Ratio: 70:30
• Competitive interest rates and absolutely transparent fees & charges
• Loan tenure of up to 20 years
• Mortgage property location: Dhaka Metro, Chittagong, Sylhet and Narayangonj City Corporation area, Savar, Gazipur and Tongi Municipal area
• Applicant must be permanent resident of Bangladesh
• Minimum age 25 years & maximum age 60 years at the time of maturity

Common Documents:

• Latest one year’s personal bank statement
• Photocopy of national ID or Passport
• Business card or visiting card of the applicant
• Business card or visiting card of the applicant
• One copy passport size photograph of guarantor
• Allotment Letter or Allotment Agreement or Byna Deed or Property related documents
• Registered ownership deed for Home Credit or Take Over
• Price quotation for Home Credit
• Proof of submission of updated Income tax return

Salaried Individuals

• Letter of Introduction stating salary, issued by the employer
• Latest 01 year salary account statement

Business Person

• Copy of Trade License for last 3 years
• Company’s bank statement for last one year
• Registered partnership deed for partnership company
• Memorandum of Articles, Certificate of Incorporation, Latest Schedule X for Private Limited Company

Self Employed Person

• Professional Certificate issued by authorized institution
• Declaration on self-pad along with seal
• Certificate of Professional degree

Landlord

• Registered ownership deed
• Rental deed
• Copy of any utility bill (Electricity or Water or Gas)

Apply for a loan

Who can apply: If you are a salaried employee or a freelance professional over the age of 18 years with a regular monthly income (minimum BDT 25,000), individually or jointly with your spouse, you can apply for this facility.

How to Apply: Download application form and submit the filled form to any Commercial Bank branch. You can also visit a branch of your choice to apply for the loan

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