EBL Home Loan

EBL Home Loan is a an EMI based loan for credit worthy individuals for meeting the purpose of a sweet home. Bank would finance against monthly income of any credit worthy individual to meet accommodation needs. EBL is here with the ultimate solution for you. With so many attractive features in it - the home you wanted is no longer a distant dream.

Loan Purpose

  • Apartment purchase
  • Home Construction
  • Home Renovation


Primary Features

  • Loan amount: BDT 5,00,000 to 2,00,00,000
  • Loan up to 70% of property value
  • Repayment tenor of maximum 25 years
  • Minimum age of 22 years at the time of loan application
  • Maximum age of 65 years at the time of loan maturity
  • Legal heir/successor of the property as co-applicant
  • Competitive interest rate
  • Processing fee – as per EBL Schedule of Charges
  • Advance/Partial prepayment allowed
  • Grace Period/Moratorium allowed
  • Life Insurance Coverage (optional)


Mandatory Documents for all Professionals

  • Clear photocopy of National ID Card
  • Clear Lab Print photographs - 2 copies
  • Original Bank statement of last 12 months
  • Copy of e-TIN Certificate and latest tax return acknowledgement copy
  • Properly filled up CIB undertaking & enquiry form as per NID
  • Property Title Deed
  • Up to date Mutation & Land Development Tax of property
  • Approved Building plan along with approval letter from competent authority of property
  • Other property related documents as applicable


  • EBL may ask for any relevant documents if necessary
  • All applicable fees will be as per EBL Schedule of Charges

Eligibility & Other requirement

For Salaried Executives

  • Minimum gross income required : BDT 30,000 per month
  • Length of experience : Minimum 2 years of experience, at least 6 months with present employer (Offer letter and release letter from previous employer to prove 2-year service experience)
  • Other requirements
    • Letter of Introduction (LOI) as per EBL format
    • Latest 3-month Pay Slip showing all breakdowns (if any)


For Self-employed/Professionals

  • Minimum gross income required : BDT 40,000 per month
  • Length of experience : Minimum 3 years of practice in present profession (Certificate of professional degree and certificate of membership from professional body for proof of 3-year practice)
  • Other requirements
    • Income declaration


For Businessmen

  • Minimum gross income required : BDT 50,000 per month
  • Length of experience : Minimum 3 years of business experience
  • Other requirements
    • Trade license copy (latest 3-year and inception)
    • Certificate of Incorporation (for limited companies)
    • Memorandum and Articles of Association, latest Schedule X & Form XII (for limited companies)
    • Registered Partnership Deed (for partnership business)


For Land Owners

  • Minimum gross income required : BDT 50,000 per month
  • Other requirements
    Rental Income generating property related documents – Valid Rental Deed, Title Deed, Mutation, Land Development Tax (Khajna), Building plan & approval copy