Own Your Dream Home with IPDC Home Loan
Flexible home loan solutions with competitive interest rates, simple processing, and financing support for buying, building, or renovating your home.
Apply nowWhy Choose Our Home Loan
Flexible and transparent home financing with customer friendly benefits and simple approval process
Fastest Processing Time
Financing for Apartments / House Purchase
Pre-Payment Flexibility
No Hidden Charges
No Guarantee Required
Financing Self Construction
Financing Renovation
Financing Expansion Needs
Eligibility Criteria
- Salaried/Self-Employed/Business Owner/Landlord/NRB
- Minimum 21 years old(if income is to be considered) and maximum 65 years or retired(whichever is lower)
- Verifiable minimum monthly income -Salaried: BDT. 40,000/-; Government Service: BDT. 25,000/-; Self Employed: BDT. 50,000/-; Landlord: BDT. 40,000/-
- Minimum working experience of 1 year
Loan Term and Amount
Amount
Generally, IPDC offers 85% of the property value as home loan
Term
Up to twenty five years
Documents Required
Application form (Filled and signed)
Copy of NID or Passport (applicant’s and guarantors)
Photographs (applicant’s and guarantors)
Utility bill copy
E-Tin
Employment Certificate(For the Employed)
Latest Salary Slip/ Salary Certificate showing all deductions(For the Employed)
Bio-Data/ C.V.(For the Employed)
Bank Statements for last 12 months(For the Employed)
Trade License of the business[For the Self- Employed (Businessperson)]
Individual income-tax returns, assessment orders for the last 3 years along with statement of income[For the Self- Employed (Businessperson)]
A note with info on the nature of your business, form of organization, clients, suppliers etc., [For the Self- Employed (Businessperson)]
Bank Statements for last 12 months[For the Self- Employed (Businessperson)]
Copies of Ownership Document & Rental Agreement, if you have rental income
Copies of Savings Instrument (if any)
Similar proof of other income
Documents and agreements related to property ownership
Progress Toward Your Own Home With A Structured And Supportive Loan Process
Apply NowFAQ
For what purpose can I get IPDC Home Loan?
IPDC Home Loan can be availed for apartment / house purchase, house construction, home renovation, home extension, or loan against a house (home equity).
What is your current interest rate?
We try to align our services to everyone as much as possible, considering the different needs of each customer. However, the interest rate on a home loan depends on the amount of the loan, the purpose of the loan, the category of the applicant, etc.
What are the conditions for getting a loan? What are the minimum criteria to get a loan?
To be eligible for a home loan the following criteria must be met: the age of the applicant should be a minimum of 21 to maximum of 65 years and minimum monthly income should be BDT 25,000.
What is the maximum loan amount that I can avail?
IPDC usually offers home loans up to 85% of the value of the property. Many factors are considered in this case such as the applicant's income, type of applicant, the value of the property, number of family members and dependents, monthly expenses, other liabilities, type of job or business, tenure of loan, the purpose of the loan, etc.
Who can apply for an IPDC Home Loan?
Salaried individuals, self-employed professionals, business owners, landlords, and NRB customers with verifiable income can apply for an IPDC Home Loan.
What is the minimum age to apply?
The minimum age is generally 21 years (if income is considered). The maximum age is 65 years or retirement age, whichever comes earlier.
What is the minimum income requirement?
Minimum monthly income requirements vary by profession: • Salaried: BDT 40,000 • Government service: BDT 25,000 • Self-employed: BDT 50,000 • Landlord: BDT 40,000
How much loan can I get against my property?
IPDC generally finances up to 85% of the property value, depending on eligibility and customer profile.
What is the maximum loan tenure?
The repayment period can be up to 25 years, depending on customer eligibility and loan terms.
What documents are required for a home loan?
Common documents include: • National ID and photographs • Income proof (salary slip, bank statement, or business documents) • TIN certificate (if applicable) • Property-related documents • Other supporting financial documents
Can self-employed individuals apply?
Yes, self-employed professionals and business owners can apply with valid income proof such as trade license, bank statements, and tax documents.
How is the loan amount decided?
Loan amount depends on income level, property value, repayment capacity, and overall financial profile of the applicant.
Is the loan available for property purchase and construction?
Yes, the home loan can be used for purchasing, constructing, or renovating residential property.
Download Home Loan Application Form
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