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Personal Loans » Consumers Loan Scheme » Household Durable Loans
Household Durable Loans
General Information
A personal loan scheme that supports purchase of various consumer durable such as Television, Refrigerator, Air Conditioner, Hi-Fi, Washing Machine, Computers, other household furniture etc.
Customer Segment
Any Bangladeshi individual who has the means and capacity to repay bank loan. In specific terms, these could be salaried executives of multinational and middle to large size local corporate, Government officials, Officials working in reputed NGOs (Non Government Organizations).
Minimum Income
Minimum net income Tk.3,000/- per month
Loan Size
Upto 1 Lac or 2,00,001 to 3 Lac including down payment.
Installment Size per Lac (Purchase value).
2 years term 3 years term
Tk. 3,923/- Tk. 2,629/-
Loan to Price Ratio
Financing 75% (in case of 3 years term) / 80% (in case of 2 years term) of the cost of the item is allowed
Security/ Collateral
Hypothecation over purchased assets.
Post dated cheques for each monthly installment.
One undated cheque for full loan value including full interest to be taken in advance.
Personal Guarantee of spouse / parents and an individual having minimum solvency/income not less than that of the borrower supported by income proof.
Interest Rate
Bank Interest 11%
Risk Fund 2%
Agent Commission 3%
Penal Interest
Penal interest shall be charged @ 2% over the normal rate on the defaulted installments.
Tenor
Minimum 24 months & maximum 36 months
Repayment Method
Equal Monthly Instalment
Disbursement Mode
Disbursement will be made through Demand Draft/ Payment Order directly to the seller.
Verification of Personal Details and Quotation/span>
Details of an applicant to be verified by a third party before an approval is accorded.
Letter from employer with details of employment and salary
Borrower and Guarantors (if any) details (addresses – both present and permanent, all telephone numbers of residence, office & mobile no.)
Quotation of the item to be purchased
Bank statement
Substantiation of Income
Proper substantiation of income will be mandatory. All or any of the following original / true copy of original documents are accepted for the purpose:
Last Tax Return (in case of 3 years term applicant must be tax payee)
Bank Statements for minimum last 6 months
Any other document that may stand as a proof of income
For any query please Contact at: Tel: (PABX) 9551614 FAX: 880-2-9564009 or e-mail us at gsdd@pubalibankbd.com
Foreign Currency Rates
Currency Buying Selling
USD 81.00 82.50
EURO 86.15 90.80
GBP 99.70 104.70
News & Events

November 08, 2016
A training course on ‘Foundation Training for Senior Officers & Officers’ was held recently under the auspices of Pubali Bank Training Institute.

 

November 03, 2016
Pubali Bank Ltd. holds 4th conference-2016 of Regional and Corporate Branch Managers .

 

November 03, 2016
Pubali Bank Ltd. holds 4th conference-2016 of Regional and Corporate Branch Managers .

 

November 02, 2016
Pubali Bank Limited donates Tk. 20(Twenty) Lac to Dhaka Bar Association .

 

October 27, 2016
Pubali Bank Ltd. organizes Follow up Meeting with the CLS Agents on Consumers Credit Scheme .

 

October 23, 2016
Pubali Bank Ltd. gives bicycle to girls of Monir Ahmed Academy, Sylhet .

 

October 19, 2016
Pubali Bank Ltd. inaugurates its shifted Gulshan Model Town Corporate Branch.

 

March 01, 2015
Pubali Bank Ltd. recommended for 10% Cash Dividend for the year 2014.

 

February 23, 2015
Md. Abdul Halim Chowdhury new Managing Director of Pubali Bank Ltd.

 

February 22,, 2015
1st Managers’conference-2015 of Dhaka South Region of Pubali Bank Ltd. held.

 

All News