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Household Durable Loan

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Are you thinking of the cost of buying furniture/ home appliances/ household durable? Prime Bank's Household Durable Loan will enable you to buy your desired products. You can avail the loan with competitive rates, convenient features and simple procedures. This minimal documentation required loan skim is suitable for all kinds of local people involved in service or business.

Features

• Shortest loan processing time
• Competitive interest rate
• Loan top-up facility
• Flexible repayment schedule
• Automatic realization of monthly installments
• Joint applicant allowed
• Early, full and partial settlement allowed
• Processing fee 1.25 % of the loan amount
• Minimal documentation

Purpose

• To purchase of household durables and house decoration items.

Customer Segment

• Employees of Multinational Companies (MNCs) and Large Local Corporate (LLC), foreign NGOs, aid agencies, UN bodies.
• Contractual employees working as consultant/advisor/ researcher of UN organization/ ADB/ World Bank/ International NGO's/ other international organizations.
• Professionals, employees of Government /Semi Govt./ Autonomous bodies/ Banks/Financial Institutions and medium/ small enterprises.
• Landlord/ Landlady.
• Businessmen.

Customer Eligibility

• For permanent and confirmed salaried person, minimum one (1) year experience with 6 months employment in present organization.
• For Businessmen, minimum one (1) year experience in the same line of business.
• For Landlord/ Landlady having 6 months rental income continuation.

Age Limit

• Minimum: 22 Years (at the time of application)
• Maximum: 65 years (at the end of loan tenor)

Minimum Gross Salary/ Income

• BDT 20,000.00 for salaried person of MNCs, LLC, Foreign NGOs, aid agencies and UN bodies.
• BDT 25,000.00 for salaried person other than MNCs, LLC, Foreign NGOs, aid agencies, and UN bodies.
• BDT 15,000.00 for Govt. employees.
• BDT 30,000.00 for Landlord/ Landlady.
• BDT 35,000.00 for Businessmen.

Loan Amount

• Minimum loan amount BDT 50,000.00
• Maximum loan amount BDT 10,00,000.00

Loan Tenor

• Maximum loan tenor is 05 years

Security Collaterals

• Two personal guarantees

Required Documents

• Recent passport size color photographs of applicant(s) and guarantor(s)
• Photocopy of NID/ passport/ driving license of applicant(s) and guarantor(s)
• Latest utility bill (gas/ water/ electricity/ municipal tax)
• Quotation of purchased item
• Business card/ office ID of applicant(s) and guarantor(s) if any
• Latest tax certificate/ E-TIN
• Personal net worth statements of applicant(s) and guarantor(s)
• Bank statement of last 12 months for businessmen and 6 months for others
• Rent or lease agreement of house/ property (if applicable)

Additional documents required for Salaried Person/ Self Employed

• Salary Certificate/ Letter of Introduction .
• Offer letter/ Release letter from previous employer to prove service experience.
• Professional certificate issued by concerned institution.

Additional documents required for Businessmen

• Copy of Trade License.
• Memorandum of Association and Articles of Association of the company.
• Certificate of Incorporation.
• Latest form xii
• Partnership deed

Additional documents required for Landlord/ Landlady

• Title deed of premises/ property.
• Valid rental deed with tenants.
• Utility bill copy.
• Ground rent payment and municipal tax payment receipt.

* Condition Apply
Prime Bank may request for any other relevant documents, if necessary.

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About Prime Bank PLC

Prime Bank PLC, established on April 17, 1995, is one of the leading second-generation private commercial banks in Bangladesh. Headquartered in Gulshan, Dhaka, the bank was incorporated under the Companies Act of 1994 and is publicly listed on both the Dhaka and Chittagong Stock Exchanges. Since its inception, Prime Bank has demonstrated a strong commitment to providing innovative and customer-centric banking solutions. A notable milestone in its early years was the launch of Islamic banking services through its Dilkusha branch, marking the bank's responsiveness to diverse customer needs and market trends.

Over the years, Prime Bank has developed a comprehensive portfolio of services catering to individual, corporate, and institutional clients. In the corporate and institutional banking segment, the bank offers a wide range of financial solutions, including trade finance, treasury operations, and cash management services. Embracing the digital transformation in banking, Prime Bank has introduced several technology-driven platforms such as MyPrime, an integrated application that simplifies retail banking and investment services, and PrimeAgrim, an AI-enabled solution allowing payroll customers to access salary advances in a hassle-free manner. These initiatives reflect the bank’s focus on enhancing customer experience through innovation.

Prime Bank also plays a significant role in supporting Bangladesh's agricultural sector. Through strategic partnerships, such as with WeGro Technologies Limited, the bank promotes financial inclusion by facilitating easy access to credit for farmers and agri-entrepreneurs. Furthermore, the bank has established a strong reputation among Non-Resident Bangladeshis (NRBs) by offering efficient foreign remittance services. With a widespread distribution network that includes branches, agent banking outlets, partner organizations like BURO Bangladesh, and integration with platforms like bKash, Prime Bank ensures seamless remittance delivery across the country.

With a clear vision for sustainable growth and a strong foundation in innovation, service excellence, and financial inclusion, Prime Bank PLC continues to strengthen its position as a trusted and forward-thinking financial institution in Bangladesh’s banking industry.