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Swapna Neer Home Loan

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Housing is one of life's most rewarding challenges. Meet this challenge to build your new home or purchase your new flat through our lucrative home loan facilities with the best competitive rate and flexible repayment schemes. Prime Bank's Swapna Neer Home Loan helps you to fulfill your dream. Fulfilling your dream is our satisfaction. This minimal documentation required loan skim is suitable for all kinds of local people involved in service or business.

Features

• Maximum 70% of purchase price of new apartment/ home.
• Maximum 70% of the total cost of construction of home.
• Maximum 60% of purchase price of old apartment/ home and repairing cost, if any.
• Processing fee 1.25% of the loan amount for fresh applicants and 0% for the takeover loans.
• Additional loan amount is available for Takeover Loan.
• 3-24 months grace period *.
• Phase disbursement is allowed.
• Automatic realization of monthly installments.
• Flexible repayment schedule.
• Shortest loan processing time.
• Loan facility for both Lease hold and free hold properties.
• Tri Partite Agreement (TPA) allowed up to 24 months *.
• Joint applicant allowed.
• Early, full and partial settlement allowed.
• Competitive interest rate.

Purpose

• House/ Apartment purchase not older than 15 years.
• Construction and extension of house/ apartment not older than 15 years.
• Takeover of existing home loan from other Banks/ Non Banking Financial Institutions not older than 15 years.

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 year experience with 6 months employment in present organization.
• For Businessmen one 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).
• Age limit can be relaxed in case of joint applicant provided.

Minimum Gross Salary/ Income

• BDT 40,000.00 for salaried person of MNCs, LLC, Foreign NGOs and UN bodies.
• BDT 45,000.00 for salaried person other than MNCs, LLC, Foreign NGOs and UN bodies.
• BDT 30,000.00 for Govt. employees.
• BDT 50,000.00 for Landlord/ Landlady.
• BDT 55,000.00 for Businessmen.

Joint Applicant

• Spouse, father, mother, daughter, sister, son brother and in-laws

Loan Amount

• Minimum BDT 5,00,000.00
• Maximum BDT 1,20,00,000.00

Loan Tenor

• Maximum loan tenor is 25 years.

Security Collaterals

• Registered mortgage of the concerned property.
• Registered irrevocable power of attorney (RIGPA).
• Insurance coverage.
• One personal guarantee.

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).
• Copy of latest utility bill (gas/ water/ electricity/ municipal tax).
• Business card/ office ID copy 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 other categories.
• 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.