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“Bangladesh Bank Refinance
Scheme for Housing Sector”
Recently,
Bangladesh Bank introduce a new scheme known as “Bangladesh Bank Refinance
Scheme for Housing Sector” to provide refinance facility to the institutions
who are giving Home Loans to individuals for buying/constructing apartments in
order to meet the housing demand of middle and lower middle income earners in
the urban areas and to contribute in the increasing activity of housing sector
in the country’s economy. In order to provide home loans under this scheme, Delta
Brac Housing Finance Corporation Limited (DBH), the specialist in housing
finance, signed a participation agreement with Bangladesh Bank. Among all banks
and financial institutions in Bangladesh,
only DBH is the first to sign this agreement. DBH is the first Financial
Institution among all the Banks and FIs of the country to have successfully
disbursed Home Loans and taken refinance from Bangladesh Bank under the Scheme.
Features & Criteria
Flat/Apartment to be located in six city corporations
(Dhaka, Chittagong, Rajshahi, Khulna, Sylhet and Barisal) and areas in the Tongi,
Gazipur, Savar and Narayanganj municipality along with the RAJUK approved areas outskirts of Dhaka
The apartment size should not exceed 1250 square feet
The maximum amount of loan can be availed is Tk. 20
Lac
The applicant having a monthly income of less than 50,000
taka will be eligible for receiving home loan under this scheme
The applicant shall not have any apartment or house
named after their husband/wife/children in the above mentioned areas, are
eligible for receiving this loan
The applicant shall not have availed any home
loan/scheme facility from its employer.
The applicant who haven’t taken any home loan from any
bank/financial institution previously can be eligible for this home loan
scheme.
The maximum tenure of this home loan is 20 years
The rate of interest 9% p.a.
This refinance
scheme introduced by Bangladesh Bank in order to increase home ownership among
the middle and lower middle income earners is truly a radical change that has
long been cherished. With the advent of this scheme the middle and lower middle
income earners will have their dream home into reality. Being the specialist in
housing finance, DBH believes in strengthening the society of the country by
continually expanding home ownership. And having BB Refinance Scheme in place,
this will surely become much faster and easier.
