One Bank Home Loan

One Bank Home Loan

A Very Interesting Package With Only 1% Processing Fee.

Key Product Features

Interest Rate 9.99%
One Bank Home Loan has 9.50% interest rate on Takeover loan. No option for fixed interest.
Interest Type Floating (Variable) Interest
Lock-in Period 1 year/s
Max. loan tenure 25 year/s
Islamic / Conventional Conventional
Approval duration One Bank will take will take approximately 15 to 20 working days to approve and review your loan request.

Fees and Charges

One time set-up Penalties
Processing fee
1% on approved loan amount.

Service Charge
Application Fee BDT 950
Early Settlement
2% on overdue amount.

Late Payment Charges
2% On Overdue Amount
Documentation Fees
BDT 4000 or BDT 5000

Property Valuation Charge
At Actual.
Property Mortgage Charge
Up to 0.3% on approved loan amount.


Age requirement
Age 23 - 67

Min Income requirement
BDT30 000 gross per month

Documentation Requirements
See Other Requirements.

Number of Guarantor
You just need two guarantors to be approved for this loan.

Employment Eligibility
Experience: Salaried Executives: Minimum 3 year of continuous service Professionals: Minimum 3 year of independent practice in relevant profession Businessmen: Minimum 5 years of continuous operation in relevant line of business.

Other requirements

1. Lock-in Period: 6 Months.

2. Maximum Available Loan Amount: 70%

3. Insurance coverage: Only for under construction building (fire and earthquake).

4. Other Benifits: Loan balance Transfer or Takeover facility from other banks.

5. Minimum Income: Based On EMI Coverage Capability.


  • Mortgage and original title deed.
  • Irrevocable General Power of Attorney (IGPA).

Common Documents:

  • Latest 1 year personal bank statement Latest Tax Clearance Certificate (where applicable) - Photocopy of National ID Card / Passport - Allotment Letter/ Allotment Agreement/ Bayna Deed for Home Loan - Registered ownership deed for Home Credit / Take Over Loan - Price quotation for Home Credit Loan.

Salaried Individuals:

  • Letter of Introduction (LOI) Latest 01year salary account statement.


  • Trade License for last 3 years Latest 1 year bank statement of the company Registered partnership deed for partnership company MOA+ Certificate of Incorporation+ Latest Schedule X for Private Limited Company.
  • Self-Employed : Certificate of membership of respective professional association Declaration on self-pad along with seal Certificate of a professional degree.

Land Lord:

  • Registered ownership deed Rental deed Copy of any utility bill (Electricity/ Water/Gas).