Retail Asset

Products

NCC Bank Limited

Retail Banking

NCC Bank Car Loan

NCC Bank Limited

Retail Banking

NCC Bank Car Loan

Eligibility

Salaried Individual, Self-Employed Professionals, Businessperson,

Homeowners or Property Income holder

Purpose

Purchase of Car for personal use only

Loan Limit
Loan Tenure

Maximum BDT 2,000,000 but not more then the 30% of submitted car
quotation
Reconditioned Vehicle: maximum 60 Months and
Brand New Vehicle: maximum 72 Months

Age of the Car

For reconditioned vehicle not more then 5 years old

Rate of Interest

18.00% p.a.

Age

Minimum 21 Years and Maximum 60 Years

Application Fee

BDT 600

Processing Fee

1% to 1.50% of the approved amount

Allowed EMI

NCC Bank Limited

EMI = 1/2 of Discretion Income = Gross Family Income - Total Family

Expenses

Retail Banking

NCC Bank Home Improvement Loan

NCC Bank Limited

Retail Banking

NCC Bank Home Improvement Loan

Eligibility

Home Owners and Salaried Individuals

Purpose

Purchase of Electronic Household Durables, Furniture and Fixtures,

Modification of the building / flat and Extension of the existing
structure

Loan Limit
Loan Tenure
Rate of Interest
Age

Minimum BDT 50,000 and Maximum BDT 1,000,000

24 Months to 84 Months based on offered security
18.00% to 19.00%
Minimum 21 Years and Maximum 60 Years

Application Fee

BDT 600

Processing Fee

1% to 1.50% of the approved amount

Allowed EMI

NCC Bank Limited

EMI = 1/2 of Discretion Income = Gross Family Income - Total Family

Expenses

Retail Banking

NCC Bank House Repairing & Renovation

Loan Scheme Features

NCC Bank Limited

Retail Banking

House Repairing and Renovation Loan Scheme (HRRLS)

Eligibility

Only the residential house / flat owners

Purpose

House repairing and renovation

Loan Limit
Loan Tenure
Rate of Interest
Age

BDT 50,000 to BDT 500,000

60 Months
18.00%
Minimum Age 30 Years and Maximum 60 Years

Application Fee

BDT 600

Processing Fee

1.00%

Risk Fund
Allowed EMI

NCC Bank Limited

1.00% but minimum BDT 500

EMI = 1/2 of Discretion Income = Gross Family Income - Total Family
Expenses

Retail Banking

NCC Bank Personal Loan Scheme

NCC Bank Limited

Retail Banking

Personal Loan Scheme for Salaried Person (PLS)

Eligibility

Only Permanent salaried employees

Purpose

For Medical treatment / Surgical Operation / Maternity / Marriage /

Admission of children, purchase of Books & Examination Fees

Loan Limit
Loan Tenure
Rate of Interest
Age

Minimum BDT 25, 000 and Maximum BDT 100,000

Minimum 6 (six) months and maximum 3 (three) years
18.00%
Minimum Age 21 Years to Maximum 56 Years

Application Fee

BDT 500

Processing Fee

1.00%

Risk Fund
Allowed EMI

NCC Bank Limited

1.00% but minimum BDT 100

EMI = 1/2 of Discretion Income = Gross Family Income - Total
Family Expenses

Retail Banking

NCC Bank Consumer Finance Scheme

NCC Bank Limited

Retail Banking

Consumer Finance Scheme (CFS)

Eligibility

Salaried Individuals / Business Persons / Professionals

Purpose

New Motor Cycle, Electrical Home Appliances, Furniture / Fixtures

Loan Limit
Loan Tenure
Rate of Interest
Age
Application Fee
Service charge Fee
Risk Fund
Allowed EMI

NCC Bank Limited

Minimum BDT 100,000 and Maximum BDT 300,000

For Motor Vehicles Maximum 3 (three) years,
For other items Maximum 2
(two) years
18.00%
Minimum 25 Years to Maximum 50 Years
BDT 100
1.00%
1.00% but minimum BDT 200
EMI = 1/2 of Discretion Income = Gross Family Income - Total
Family Expenses

Retail Banking

NCC Bank Education Loan Scheme

NCC Bank Limited

Retail Banking

Education Loan Scheme (ELS)

Eligibility

Any Bangladeshi student, successfully completed at least

H.S.C. or equivalent exam

Purpose

For educational expenses

Loan Limit

Maximum BDT 1,000,000

Loan Tenure

Minimum 1 year and Maximum 4 years

Rate of Interest

17.00%

Application Fee

BDT 500

Processing Fee

1.00%

Risk Fund
Allowed EMI

NCC Bank Limited

1.00% but minimum BDT 1,000

EMI = 1/2 of Discretion Income = Gross Family Income - Total
Family Expenses

Retail Banking

Mandatory Documents for all Retail Loans

Three copies of passport size photograph [Applicant(s), Spouse(s)
& Guarantor(s)]
Copy of National ID [Applicant(s), Spouse(s) & Guarantor(s)]
Copy Up-to-date Copy of TIN Certificate [Applicant(s) &
Guarantor(s)]
Copy of Tax Return [Applicant(s) & Guarantor(s)]
Copy of Utility Bill Copy
Last 12 months Bank Statement of [Applicant(s) & Guarantor(s)]
Borrowers and Guarantors CIB Report
Credit Card payment Statement for Last One year (if applicable)
Copy of Offer Letter and Repayment statement of the existing loan
facility (if applicable)

NCC Bank Limited

Retail Banking

Wrapping
up
with
Q&A

NCC Bank Limited

Retail Banking