sme asset product features

8/10/2019 SME Asset Product Features

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SME ASSET PRODUCT

FEATURES


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ANONNO


3/27

Product Feature

Loan FacilityTerm Loan

Single loan payment

Loan PaymentTerm Loan: BDT 2 Lac to 15 Lac

Single loan payment: BDT 2 Lac to 15

Lac

ANONNO


4/27

Product Feature

Interest Rate

Term Loan 22.5% p.a.

Loan Tenor

12 to 18 months (below 6 Lac)18 to 36 months (6 to 15 Lac) Mandatory document

req. a) MDPD b) MDTD

Single payment facility: 3 to 9 months.

Loan Processing Fee

3% + VAT of the loan amount.

ANONNO


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6/27

Product Feature

Loan AmountTerm Loan = BDT 3 lac BDT 25 lac

Loan PurposeWorking Capital, Fixed Asset

Purchase

DURJOY


7/27

Product Feature

Interest Rate

23% p.a.

Loan Tenor

12 to 60 months

Minimum Income

25,000

Repayment MethodEMI via standing order or auto debit from account

maintained with BBL or PDC from other Bank

DURJOY


8/27

APURBO


9/27

Product Feature

Loan FacilityTerm Loan

Overdraft Facility

OD can be the certain percentage of

total loan requirement in

combination with term loan.

Loan PaymentTerm Loan: BDT 10 Lac to 1 Crore

Overdraft Facility: Determined by

CRM

APURBO


10/27

Product Feature

Interest Rate

Overdraft 18% p.a.

Term Loan - 18% p.a.

Loan Tenor

12 to 60 months

Overdraft renewal = 1 year

Loan Processing Fee

1.5% + VAT of the loan amount for new loan

APURBO


11/27

SHOKTI


12/27

Product Feature

Loan AmountTerm Loan = BDT 1 to 10 million

Interest Rate: 21.50% p.a.

Loan Tenor: 12 to 60 months

Repayment MethodEMI via standing order or auto debit

from account maintained with BBL or

PDC from other Bank

SHOKTI


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Documents

Demand Promissory Note

Loan Application

Trade License

Photocopy of Title DeedRent Receipt

TIN Certificate

In case of Partnership Firm

Partnership Deed (notarized/registered)

PartnersResolution

SHOKTI


14/27

Documents

In case of Private Limited Company

Certification of Incorporation

Memorandum and Articles of Association

Board Resolution

Certificate of Registration

SHOKTI


15/27

SHOMPOD


16/27

Product Feature

Loan type Term Loan

Overdraft

SHOMPOD


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Product Feature

Loan AmountTerm Loan = BDT 10 lac BDT 35 million

Interest Rate: 16.00% p.a.

Loan Tenor: 10 lac to 1 Crore = 12 to 84months

Loan Tenor: Above 10 million to 35million= 12 to 120 months

Overdraft: Maximum 30% of the total

amount or BDT 10 million whichever is

lower.

SHOMPOD


18/27

Documents

Letter of Arrangement

Demand Promissory Note

Letter of Continuation

General Loan AgreementLetter of Undertaking

Letter of Hypothecation of Present and Future Assets

Memorandum and Articles of Association

Board Resolution

Partnership Deed

Trade License

SHOMPOD


19/27

Documents

Duly filled in loan Application along with Terms and Conditionssigned.

Photograph of borrower(s) and guarantor(s).

National ID card/copy of passport or driving license/TIN Certificate

Lawyer Report

Appraiser Report

Verification Report

Insurance Documents

Property Insurance

SHOMPOD


20/27

Documents

Property Documents:

Original title deeds of the property or certified copy of the

original title deeds with duly discharged registration receipt

(if original deeds have not been received from the registration

office)/ Lease DeedBia Deeds

Lease Deed

Latest CS, SA, RS Parchas , i.e, record of rights

Mutation Parcha:

(A) Leasehold: Mutation letter from RAJUK/CDA/National

Housing Authority/Ministry of Works/Concerned Authority

(B) Leasehold and Freehold: Mutation from AC Land office with

proposal sheet:

SHOMPOD


21/27

Documents

DCR

Title Search

NEC

Up-to-date Land Revenue receiptUp-to-date Municipal Tax Receipt

Legal Opinion

Mortgage Permission: Only for Leasehold Property

Deed of Mortgage & Deed of IGPA

Approved Plan/Layout Plan and Approval Letter by

RAJUK/CDA/Concerned Authority

SHOMPOD


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23/27

Product Feature

Types of products Letter of Credit

To import goods

To purchase goods from local

market

One off & revolving

BDT 1 Lac to 2 crore

SHOMRIDDHI


24/27

Product Feature

Types of products Loan against trust receipt

To retire L/Cs

BDT 0.7 Lac to 2 Crore

Revolving loan

Import duty payment against LCs BDT 10 Lac to 2 Crore

SHOMRIDDHI


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`Product Feature

Types of products Inland Bill Purchase

To purchase accepted bills against local/ foreign LCs issued

by other banks

BDT 0.5 Lac to 2 crore

Bank Guarantee

To provide security in favor of different organizations and

institutions or that bank finds suitable to finance.

BDT 1 Lac to 2 crore

SHOMRIDDHI


26/27

Product Feature

Interest Rate

18% p.a.

Loan Tenor

180 Days.

SHOMRIDDHI


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Thank You