Home Loan is a term loan facility under Retail Banking for the lower middle class, middle class and upper class people of all Metropolitan, City Corporation, Pourashava & Union Parishad areas. Bank Asia offer’s following purpose based products under House Finance:





Shopner Nirman

Construction of Building

BDT 5 lac to 2 crore

25 Years

Shopner Abash

Purchase of Flat/ House

BDT 5 lac to 2 crore

25 Years

Griha Shaj

Renovation of House/Flat

BDT 5 lac to 1 crore

15 Years

Shopner  Kuthir

Construction of Semi Pucca House

BDT 5 lac to 1 crore

15 Years

Nijer Bari

Take Over of  Existing Loan from other Banks or NBFIs

BDT 5 lac to 2 crore

25 Years


Customer Segment:

  • Any Bangladeshi individual who has the means and capacity to repay bank loan.  In specific terms, these could be salaried person, self employed professional, businessman, mariners, land lord, wage earners etc.

Loan Features:

  • Loan amount: BDT 5 lac to BDT 2 crore
  • Loan tenure: 1 year to 25 years
  • Loan processing fee: 0.5% of the loan amount
  • Property or life insurance is not mandatory
  • Partial & full settlement facilities are available
  • Grace period facility: maximum 12 month

Charges & Fees:

  • Processing fee: Up to Tk. 50 lac: 0.50% but not exceeding Tk. 15,000, Above Tk. 50 lac: 0.30% but not exceeding Tk. 20,000
  • Expense on valuation, Vetting, CPV, CIB & other mortgage related fees & charges are to be incurred by applicant
  • Partial / Final prepayment: 0.50% on prepayment amount
  • Penal interest: additional 2% per month on overdue loan amount


  • Age Limit: Main applicant’s minimum age should be 25 year (if income is considered) and 18 year age (if income is not considered). Joint applicant’s minimum age should be 18 year. Maximum 65 year at of loan maturity
  • Minimum income: aggregated Income must be more than BDT 25,000 except Mariners. For Mariners, income must be more than BDT 50,000
  • Service length / Experience:
    • Salaried individual: Minimum 2 (two) year
    • Doctors: 1 (one) year of practice experience after getting BMDC registration
    • Engineer, Chartered Accountant & Other professionals: 2 (two) year of professional experience
    • Businessman: business duration minimum 3 (three) year
    • Mariners: 2 (two) year of professional experience with Continuous Discharge Certificate (CDC) authentication
    • Land Lord: Must have sufficient regular rental income to repay bank loan
    • Wage Earners: Must have sufficient proof against remittance income