Skip to content

Instantly share code, notes, and snippets.

@momin-riyadh

momin-riyadh/loans-advances.html

Created April 12, 2023 05:23
Show Gist options

  • Select an option

    Learn more about clone URLs
  • Save momin-riyadh/185547a472bd64896231cc25e070c0ef to your computer and use it in GitHub Desktop.

Select an option

Learn more about clone URLs
Save momin-riyadh/185547a472bd64896231cc25e070c0ef to your computer and use it in GitHub Desktop.
Download ZIP
Loans Advances | Schedule of Charges
Raw
loans-advances.html
<div class="g-post">
<div class="g-post-area">
<div class="text-end">
<small>Effective From <span>1<sup>st</sup> July 2021</span></small>
</div>
<div class="table-responsive schedule-of-charge">
<table class="table table-striped table-sm table-bordered align-middle">
<tbody>
<tr>
<td colspan="3">
<h4>B. Loans and Advances</h4>
</td>
</tr>
<tr>
<td><h5 class="mb-0">Particulars</h5></td>
<td colspan="2" class="text-center"><h5 class="mb-0">Rate</h5></td>
</tr>
<tr>
<td colspan="3"><strong>e-Govt. Procurement (e-GP) Service</strong></td>
</tr>
<tr>
<td colspan="2">Registration, Renewal, Documentation, Tender Security</td>
<td>Tk. 1,000 + VAT</td>
</tr>
<tr>
<td colspan="3"><strong>Issuance of Guarantee and Amendment</strong></td>
</tr>
<tr>
<td>Issuance of Bank Guarantee</td>
<td colspan="2">0.50% per qtr. (Min.Tk.1,000) + VAT</td>
</tr>
<tr>
<td>Amendment of Bank Guarantee <strong>for</strong> Extension of Validity/and Increase of Value
</td>
<td colspan="2">0.50% per qtr. (Min.Tk.1,000) + VAT</td>
</tr>
<tr>
<td>Amendment of Bank Guarantee <strong>without</strong> Extension of Validity/and Increase of
Value
</td>
<td colspan="2">Tk. 1,000 per instance + VAT</td>
</tr>
<tr>
<td>Fully covered by Cash margin</td>
<td colspan="2">Tk. 1,000 per annum + VAT</td>
</tr>
<tr>
<td>Fully Covered by FDR</td>
<td colspan="2">0.25% per quarter (min Tk. 1,000) + VAT</td>
</tr>
<tr>
<td colspan="3"><small class="text-danger">* Commission to be charged for minimum one quarter.
Subsequently,
it will be charged
proportionately in terms of days.</small>
</td>
</tr>
<tr>
<td colspan="3"><strong>Mortgage/ Charge Creation- Initial, subsequent
enhancement/renewal</strong></td>
</tr>
<tr>
<td>Corporate lending</td>
<td colspan="2">0.15% on loan amount (mini. Tk. 1,000 &amp; Max. Tk. 50,000) + VAT</td>
</tr>
<tr>
<td>CMSME</td>
<td colspan="2">Free</td>
</tr>
<tr>
<td>Agri</td>
<td colspan="2">Free</td>
</tr>
<tr>
<td>Retail</td>
<td colspan="2">Free</td>
</tr>
<tr>
<td>CIB charge and stamp charge</td>
<td colspan="2">At actual on borrowers account</td>
</tr>
<tr>
<td>Legal and valuation charges</td>
<td colspan="2">At actual</td>
</tr>
<tr>
<td colspan="3"><strong>Retail Loan (IFIC Aamar Rin)</strong></td>
</tr>
<tr>
<td colspan="3"><strong>Flexi Loan</strong></td>
</tr>
<tr>
<td>Loan origination/processing fee</td>
<td colspan="2">0.50% of loan but Max. Tk. 10,000<br>For existing Aamar Bari Customer: Nil</td>
</tr>
<tr>
<td>Distortion charge</td>
<td colspan="2">Tk. 5,000<br>Disbursed loan &amp; existing Aamar Bari customer : Nil</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="2">0.25% of loan but Max. Tk. 5,000</td>
</tr>
<tr>
<td>Early Settlement (Own source/Takeover)</td>
<td colspan="2">0.50% on outstanding loan amount</td>
</tr>
<tr>
<td colspan="3"><strong>Auto Loan</strong></td>
</tr>
<tr>
<td>Loan origination/processing fee</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000<br>For existing Aamar Bari Customer: Nil</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="2">0.25% of loan but Max. Tk. 10,000</td>
</tr>
<tr>
<td>Distortion charge</td>
<td colspan="2">Tk. 5,000<br>Disbursed loan &amp; existing Aamar Bari customer : Nil</td>
</tr>
<tr>
<td>Early Settlement (Own source/Takeover)</td>
<td colspan="2">0.50% on outstanding loan amount</td>
</tr>
<tr>
<td colspan="3"><strong>Aamar Account OD (Secured)</strong></td>
</tr>
<tr>
<td>Loan origination/processing fee</td>
<td colspan="2">0.50% of loan but Max. Tk. 10,000<br>For existing Aamar Bari Customer: Nil</td>
</tr>
<tr>
<td>Renewal fee</td>
<td colspan="2">0.25% of loan but Max. Tk. 5,000</td>
</tr>
<tr>
<td>Distortion charge</td>
<td colspan="2">Tk. 5,000<br>Disbursed loan &amp; existing Aamar Bari customer : Nil</td>
</tr>
<tr>
<td>Early Settlement (Own source/Takeover)</td>
<td colspan="2">Nil</td>
</tr>
<tr>
<td colspan="3"><strong>Aamar Account OD (Unsecured)</strong></td>
</tr>
<tr>
<td>Loan origination/processing fee</td>
<td colspan="2">0.50% of loan but Max. Tk. 2,500</td>
</tr>
<tr>
<td>Renewal fee</td>
<td colspan="2">0.25% of loan but Max. Tk. 1,250</td>
</tr>
<tr>
<td>Distortion charge</td>
<td colspan="2">Nil</td>
</tr>
<tr>
<td>Early Settlement (Own source/Takeover)</td>
<td colspan="2">Nil</td>
</tr>
<tr>
<td colspan="3"><strong>Salary Loan</strong></td>
</tr>
<tr>
<td>Loan origination/processing fee</td>
<td colspan="2">0.50% of loan but Max. Tk. 2,500</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="2">0.25% of loan but Max. Tk. 1,250</td>
</tr>
<tr>
<td>Distortion charge</td>
<td colspan="2">Nil</td>
</tr>
<tr>
<td>Early Settlement (Own source/Takeover)</td>
<td colspan="2">0.50% on outstanding loan amount</td>
</tr>
<tr>
<td style="text-align: right" colspan="3">Page - 3</td>
</tr>
</tbody>
</table>
<table class="table table-striped table-sm table-bordered align-middle">
<tbody>
<tr>
<td colspan="3"><h5 class="mb-0">Particulars</h5></td>
<td colspan="3"><h5 class="mb-0">Rate</h5></td>
</tr>
<tr>
<td colspan="6"><strong>Easy Loan</strong></td>
</tr>
<tr>
<td colspan="3" rowspan="4">Loan origination/processing fee</td>
</tr>
<tr>
<td>Up to Tk. 5 mln:</td>
<td colspan="2">0.50% of loan or Tk. 2,000, whichever is lower</td>
</tr>
<tr>
<td>Above Tk. 5 mln to Tk. 10 mln:</td>
<td colspan="2">0.30% of loan or Tk. 3,000, whichever is lower</td>
</tr>
<tr>
<td>Above Tk. 10 mln:</td>
<td colspan="2">0.30% of loan or Tk. 5,000, whichever is lower</td>
</tr>
<tr>
<td colspan="3" rowspan="4">Renewal fee</td>
</tr>
<tr>
<td>Up to Tk. 5 mln:</td>
<td colspan="2">0.25% of loan or Tk. 2,000, whichever is lower</td>
</tr>
<tr>
<td>Above Tk. 5 mln to Tk. 10 mln:</td>
<td colspan="2">0.25% of loan or Tk. 3,000, whichever is lower</td>
</tr>
<tr>
<td>Above Tk. 10 mln:</td>
<td colspan="2">0.25% of loan or Tk. 5,000, whichever is lower</td>
</tr>
<tr>
<td colspan="3">Distortion charge</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td colspan="3">Early Settlement (Own source/Takeover)</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td colspan="6"><strong>Aamar Bari</strong></td>
</tr>
<tr>
<td colspan="3">Loan origination/processing fee</td>
<td colspan="3">Takeover loan: Nil<br>For fresh loan (loan amount) &amp; takeover + Home credit
(Incremental
loan amount):<br>Up to Tk. 5 mln: 0.50% of loan but Max. Tk. 15,000<br>Above Tk. 5 mln:
0.30% of
loan
but Max. Tk. 20,000
</td>
</tr>
<tr>
<td colspan="3">Reschedule/restructure fee</td>
<td colspan="3">0.25% of loan but Max. Tk. 10,000</td>
</tr>
<tr>
<td colspan="3">Distortion charge</td>
<td colspan="3">Tk.10,000</td>
</tr>
<tr>
<td colspan="3">Early Settlement (Own source/Takeover)</td>
<td colspan="3">0.50% on outstanding loan amount</td>
</tr>
<tr>
<td colspan="6"><strong>Premium Overdraft (POD)</strong></td>
</tr>
<tr>
<td colspan="3">Loan origination/processing fee</td>
<td>Up to Tk. 5 mln:<br>Above Tk. 5 mln:</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000<br>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td colspan="3">Early Settlement (Own source/Takeover)</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td colspan="3">Distortion charge</td>
<td colspan="3">N/A</td>
</tr>
<tr>
<td colspan="3">Renewal fee</td>
<td colspan="2">Up to Tk. 5,000,000<br>Above Tk. 5,000,000</td>
<td>Tk. 5,000<br>Tk. 10,000</td>
</tr>
<tr>
<td colspan="6"><strong>Other Retail Loan</strong></td>
</tr>
<tr>
<td colspan="3">Reschedule/restructure fee (Secured &amp; Unsecured Term<br>nature only )</td>
<td colspan="3">0.25% of outstanding amount</td>
</tr>
<tr>
<td colspan="3">Early Settlement (Own source/Takeover)</td>
<td colspan="3">0.50% on outstanding loan amount</td>
</tr>
<tr>
<td colspan="6"><strong>Cottage, Micro, Small &amp; Medium Enterprise (CMSME) Lendings</strong>
</td>
</tr>
<tr>
<td colspan="6"><small><strong>Cottage, Micro Enterprise</strong></small></td>
</tr>
<tr>
<td colspan="3" rowspan="3">Loan origination fee</td>
</tr>
<tr>
<td>Up to Tk. 5 mln:</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000</td>
</tr>
<tr>
<td>Above Tk. 5 mln:</td>
<td colspan="2">0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td colspan="3">Loan takeover charge</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td colspan="3">Commitment Charge</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td colspan="6"><strong>Small and Medium Enterprise:</strong> <br/>
<small>Easy Commercial Loan, Retailers Loan, Transport Loan, Commercial House Building Loan,
Working Capital Loan, Bidder’s Loan, Muldhan,</small> <br/>
<small>Lease Finance, Protyasha, Joyeeta, Prantonari, IDBP, Krishi Shilpo, Shilpo Shongjog,
SOD/LG</small>
</td>
</tr>
<tr>
<td colspan="3">Loan Application Fee</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td colspan="3">Loan origination fee</td>
<td>Up to Tk. 5 mln:<br>Above Tk. 5 mln:</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000<br>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td colspan="3">Commitment Charge</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td colspan="3">Early Settlement</td>
<td colspan="3">Small Enterprise: Nil<br>Medium Enterprise: 0.50% of outstanding balance</td>
</tr>
<tr>
<td colspan="6"><strong>IFIC Shohoj Rin</strong>
<div><small>Cottage &amp; Micro Enterprises, Marginal Farmers (Livestock &amp; Fisheries),
Marginal
&amp; Landless Farmers (Crops), Low Income Individuals</small></div>
</td>
</tr>
<tr>
<td colspan="3">Documentation Charge <br/>(CIB, Stamp, Valuation &amp; Legal fee etc.)</td>
<td colspan="3">At actual + VAT</td>
</tr>
<tr>
<td colspan="3">Loan takeover by Bank/NBFI</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td colspan="3">Commitment Charge</td>
<td colspan="3">Free</td>
</tr>
<tr>
<td style="text-align: right" colspan="6">Page - 4</td>
</tr>
</tbody>
</table>
<table class="table table-striped table-sm table-bordered align-middle">
<tbody>
<tr>
<td><h5 class="mb-0">Particulars</h5></td>
<td colspan="3"><h5 class="mb-0">Rate</h5></td>
</tr>
<tr>
<td colspan="4"><strong>Large &amp; Medium Enterprise Financing</strong></td>
</tr>
<tr>
<td colspan="4"><strong>i. Commercial House Building Loan</strong></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td colspan="2">Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td>0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="3">0.25% of loan but Max. Tk. 10,000</td>
</tr>
<tr>
<td colspan="1">Loan takeover by Bank/NBFI</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td colspan="1">Handling Charge [if sanctioned loan not availed]</td>
<td colspan="3">Tk. 5,000 + VAT</td>
</tr>
<tr>
<td colspan="4"><strong>ii. Project Loan/BMRE</strong></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td>Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Handling Charge [if sanctioned loan not availed]</td>
<td colspan="3">Tk. 25,000 + VAT</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="3">0.25% of loan but Max. Tk. 10,000</td>
</tr>
<tr>
<td>Loan takeover by Bank/NBFI</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td><strong>iii. Working Capital Loan</strong></td>
<td colspan="3"></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td>Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td colspan="2">0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Handling Charge [if sanctioned loan not availed]</td>
<td colspan="3">Tk. 5,000 + VAT</td>
</tr>
<tr>
<td>Reschedule/restructure fee</td>
<td colspan="3">0.25% of loan but Max. Tk. 10,000</td>
</tr>
<tr>
<td>Loan takeover by Bank/NBFI</td>
<td colspan="3">Nil</td>
</tr>
<tr>
<td colspan="4" class="py-3"></td>
</tr>
<tr>
<td><strong>iv. Syndicate financing</strong></td>
<td colspan="3">Charges and fees shall be realized as per facility agreement or lead Bank
arrangement.
</td>
</tr>
<tr>
<td colspan="4"><strong>v. IDBP</strong></td>
</tr>
<tr>
<td>IDBP Creation Charge</td>
<td colspan="3">Up to Tk. 500,000: Charge Tk. 500 per instance<br/>Above Tk. 500,000: Charge Tk.
1,000
per
instance
</td>
</tr>
<tr>
<td>Handling Charge [if sanctioned loan not availed]</td>
<td colspan="3">Tk. 5,000 + VAT</td>
</tr>
<tr>
<td colspan="4">
<strong>
Agriculture Financing <br/>
IFIC Suborno Gram <br/>
<small>Crop, Fisheries, Live Stock</small>
</strong>
</td>
</tr>
<tr>
<td>Loan origination fee</td>
<td colspan="2">Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td>0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Stamp charge</td>
<td colspan="3">At actual on Borrower's A/c.</td>
</tr>
<tr>
<td colspan="4"><strong>Krishi Saronjam Rin</strong></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td colspan="2">Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td>0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Stamp charge</td>
<td colspan="3">At actual on Borrower's A/c.</td>
</tr>
<tr>
<td colspan="4"><strong>Shech Saronjam Rin</strong></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td colspan="2">Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td>0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td>Stamp charge</td>
<td colspan="3">At actual on Borrower's A/c.</td>
</tr>
<tr>
<td colspan="4"><strong>Lease Finance</strong></td>
</tr>
<tr>
<td>Loan origination fee</td>
<td colspan="2">Up to Tk. 5 mln:<br/>Above Tk. 5 mln:</td>
<td>0.50% of loan but Max. Tk. 15,000<br/>0.30% of loan but Max. Tk. 20,000</td>
</tr>
<tr>
<td></td>
</tr>
<tr>
<td>Stamp charge</td>
<td colspan="3">At actual on Borrower's A/c.</td>
</tr>
<tr>
<td>Stamp, CIB, Legal &amp; Valuation Fee</td>
<td colspan="3">At actual on borrowers A/c</td>
</tr>
<tr>
<td>Force funded loan creation</td>
<td colspan="3">1% of funded amount</td>
</tr>
<tr>
<td>Demand loan converted to Term loan</td>
<td colspan="3">0.25% of converted amount</td>
</tr>
<tr>
<td colspan="4" style="text-align: right">Page - 5</td>
</tr>
</tbody>
</table>
<table class="table table-striped table-sm table-bordered align-middle">
<tbody>
<tr>
<td colspan="2"><h5 class="mb-0">Particulars</h5></td>
<td colspan="2"><h5 class="mb-0">Rate</h5></td>
</tr>
<tr>
<td colspan="4"><strong>Modification of Terms &amp; Conditions</strong></td>
</tr>
<tr>
<td colspan="2">NOC for change in Board of Directors</td>
<td colspan="2">Tk. 10,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Changing of Mortgaged Property</td>
<td colspan="2">Tk. 20,000 + VAT</td>
</tr>
<tr>
<td colspan="4"><strong>Changing of any other Terms</strong></td>
</tr>
<tr>
<td colspan="2">Up to Tk. 1,000,000</td>
<td colspan="2">Tk. 2,500 + VAT</td>
</tr>
<tr>
<td colspan="2">Tk. 1,000,001 to Tk. 10,000,000</td>
<td colspan="2">Tk. 5,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Above Tk. 10,000,000</td>
<td colspan="2">Tk. 10,000 + VAT</td>
</tr>
<tr>
<td colspan="4">
<strong>Redemption of Property</strong>
</td>
</tr>
<tr>
<td>In case of own property or taking over and other cases</td>
<td colspan="3"></td>
</tr>
<tr>
<td colspan="2">Up to Tk. 500,000</td>
<td>SME<br>Retail<br>Corporate</td>
<td>Tk. 200 + VAT<br>Tk. 2,000 + VAT<br>Tk. 5,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Tk. 500,001 to Tk. 5,000,000</td>
<td>SME<br>Retail<br>Corporate</td>
<td>Tk. 500 + VAT<br>Tk. 4,000 + VAT<br>Tk. 7,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Tk. 5,000,001 to Tk. 10,000,000</td>
<td>SME<br>Retail<br>Corporate</td>
<td>Tk. 500 + VAT<br>Tk. 5,000 + VAT<br>Tk. 8,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Above Tk. 10,000,000</td>
<td>SME<br>Retail<br>Corporate</td>
<td>Tk. 700 + VAT<br>Tk. 7,000 + VAT<br>Tk. 10,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Mortgage deferral</td>
<td>SME<br>Retail<br>Corporate</td>
<td>Tk. 2,000 + VAT<br>Tk. 5,000 + VAT<br>Tk. 20,000 + VAT</td>
</tr>
<tr>
<td colspan="2">Security verification</td>
<td colspan="2">Tk. 2,000 + VAT; Cost at actual</td>
</tr>
<tr>
<td colspan="2">Security Retention fees after settlement of facilities</td>
<td colspan="2">After 3 months Tk. 5,000 + VAT<br>After 1 year Tk. 10,000 plus Tk. 10,000 per
fraction
period or per year + VAT
</td>
</tr>
<tr>
<td style="text-align: right" colspan="4">Page - 6</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment