? Uttara Bank Ltd.
Uttara Bank Ltd.

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Travel Loan

 

Any Bangladeshi individual who has the means and capacity to repay bank loan, In specific terms, these could be salaried employees/executives of multinational and middle to large size local corporate, Government, Semi-autonomous body, in reputed NGOs (Non Government Organizations) international aid agencies and UN bodies, and other employees acceptable to the bank

 

Purpose: To meet the financial need for Travel purpose.(Local/Foreign)

 

Eligibility:

  • Age:Minimum age 22 years ( At the time of application), Maximum age at loan maturity up to 60 years (At the end of Loan Tenor)
  • Minimum Service/length: For permanent and confirmed salaried person, minimum three (3) years experience with 1 year employment in present organization.
  • Yearly income (Net BDT) should be At least three times of the  total yearly installments amount of applied loan

 

Loan Size: Minimum BDT 25000.00, Maximum amount of loan under this Scheme will be Tk.3.00 lac (Taka Three Lac)

Tenor: Minimum 12 months /24 months &/or maximum 36 months

Repayment method: Equal monthly installments

Disbursement Mode: By making credit to customer’s savings/Current account

First repayment date: 1st repayment will be started at the end of one month from the date of disbursement.

Debt Burden Ratio (DBR%):A maximum of 33% based on net monthly income

 

Documents Required:

  • Recent Passport size photographs of applicant(s) and guarantor (s).
  • Photocopy of NID/Passport of applicant (s) and guarantor (s)
  • Latest Utility Bill (Gas/Water/Electricity) as a proof of present address of the borrower.
  • Itinary of Travel/Visit with Budget.
  • Office ID of applicant (s) and guarantor (s), if any.
  • Latest Tax Certificate / E-TIN
  • Personal Net Worth statements of applicant (s) and guarantor (s).
  • Bank Statement of last 12 months for businessmen and 6 months for others.
  • Rent or Lease agreement of house/property (if applicable)
  • Salary Certificate / Letter of Introduction.
  • Professional Certificate issued by the concerned Institution

 

Interest Rate: 15.00%  per annum with quarterly rest. The rate of interest will remain fixed throught the tenure of the Loan.

Availability Period : Maximum 6 months from the  date of sanction advice. 

Prepayment :Loan to be prepaid on payment of 2% breakage cost on prepayment amount.

 

*condition will be applicable

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