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A fast way to meet your financial needs. Whatever the occasion or requirement may be, Jamuna Bank’s Salary Loan is there to fulfill your wants/requirements.
Key Features
- Purpose: Construction/Purchase of Flat, Apartment or House; Apartment Renovation, Extension or Completion; Taking Over and Renovation or Construction.
- Loan Size: Minimum Tk. 5 Lac and Maximum Tk. 200 Lac.
- Loan Tenor: Minimum 03 Years and Maximum 20 Years.
- Loan to Price Ratio: Maximum 70:30.
Eligibility & Parameters
- Age: Minimum 21 years and maximum 65 years at the end of loan tenor.
- Minimum Monthly Income: Tk. 25,000 to Tk. 40,000 depending on the type of profession of the applicant.
- Length of Experience: Salaried Person – Regular/Permanent employee having minimum 1 year of total experience and minimum 6 months with the present employer.
- Professional / Self-employed Person: Minimum 2 years of practice in the respective profession.
- Businessman: Minimum 2 years of business establishment with valid Trade License.
- Landlord / House Owners: Minimum 1 year experience in house renting and must be a taxpayer.
- Wage Earner / Overseas Job Holder: Having wage income from abroad for at least 1 year through legitimate channel.
Required Documents
- National ID Card
- Passport Size Photographs
- Bank Account Statements (Minimum 06 Months)
- Income and Professional Proof: For Service Holder – Letter of Introduction from Employer / Salary Certificate / Pay Slip / Employment ID Card
- For Professional: Copy of Professional Certificate
- Landlord: Copy of Rental Agreement / Rent Receipts / Title / Ownership Documents of Rented Property
- Businessman: Trade License
- Other Income: Proof of Income
- Personal Guarantee
- ETIN Certificate with Up-to-date Tax Return Submission Receipt (if applicable)
- Copy of a Utility Bill of Contact Address / Permanent Address
- Land and Building / Flat Related Documents