Government Employee House Building Loan


  • We offer you house building/flat loan to make your dreams come to true to be a owner of a building or flat as you desire. Home loan is treated as a term loan facility to construct a building or to purchase ready flat. You can avail this Home Loan with a flexible interest rate & tenor. Moreover, we want to make your life easier and fruitful.


  • Loan Amount : Maximum BDT 75 lac
  • Loan Tenure : Maximum 20 years.
  • Repayment : Monthly installment will be paid by applicant through savings/salary account as per re-payment schedule.
  • Partial & Full Settlement : Facility available with no extra charge.
  • Grace Period : House building 02 (Two) Years and Flat purchase 01 (one) Year.
  • Debt Equity : 90:10 Security : The land & the proposed building/structure/flat will be mortgaged in favor of the bank.

Customer Segments

  • Permanent Govt. Employee of Bangladesh/ Permanent Judicial service holder can be apply Home loan(Residential)/Flat loan.
  • Maximum Age limit 58 Years.
  • Group member will be maximum 15.
  • Interest Rate 9% (Simple); Customer segment: Bank Rate (4%) & Govt. Subsidy (5%).
  • Home loan (Residential) for construction building (lone). Ready House purchase with land (lone). Home loan (Residential) construction building with land purchase (group), Home loan for construction building (group) and Ready Flat purchase loan

Charges and Fees

  • Charges : Legal fees, Mortgage deed & irrevocable power deed fees and other documentation fees/charges have to be paid by the Applicant (Actual).
  • Loan processing Fees : Loan Processing Fee not needed.