Personal Loan News ( ব্যাক্তিগত লোন এর সব খবর)

Personal Loan

Personal loan is offered for personal use instead of business or commercial purposes. Personal loans come in handy when we need money To meet the expenses of Marriage, Education, Foreign Travel, Medical treatment, financial emergencies Purchasing household items etc.

Personal Loan: Characteristics and Details

It is an unsecured loan which means a loan offered without keeping any assets (e.g., house or car) as collateral. Unsecured personal loans are offered based on the buyers credit history.Normally loan allocated according to the customers salary or bank statement of businessman.

• If you have not defaulted on payments of an earlier loan and have paid all your credit card bills on time, you will be viewed as a low-credit risk.
• Maximum bank offered the repayment time period for a personal loan ranges from 1 year to 5 years.
• It requires minimum paper work and loan disbursed within 2 days to 7 days .
• In addition to processing fee, a personal loan includes the following charges as well: pre-payment fee, late payment penalties, documentation charges, cheque bounce charges.

Personal Loan - Eligibility Criteria

Any salaried, self employed or professional Bangladeshi national is eligible for a personal loan. According to the parameters set by banks and other financial institutions lending the loan, you:

• Should have been employed by your current organization or been involved in your business for a certain number of years
• Should have some monthly repaying capacity or the required minimum salary
• Must qualify the age bracket defined by the lending bank or institution
• Should not have bad credit history under your name for three months prior to submitting the loan application

Personal Loan - Documents Required

1. Application Form duly filled up and signed.
2. Passport Size Photograph of Applicant & Guarantor.
3. Valid NID of Applicant and Guarantor(s) (National ID / Passport / Driving License)
4. Income proof:

Salaried Individuals:

a.     Latest 6-12 months’ salary slips

b.    Asset-Liability Statement.

c.     Salary account bank statement for 6-12 months.

Self-employed person:

d.    Last two years' computation of income, Profit and Loss statement, and balance sheet certified by a C.A.

e.    Latest 6-12 months' bank statement

Last two years' sales and copies of as proof of turnover.
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