Apartment Purchase Loan
Finance your apartment purchase with flexible repayment options and support for both new and resale properties.
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.
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IPDC Home Loan Offerings
Flexible financing solutions that support your home ownership journey with ease, whether you are planning to buy, build, or manage property related financial needs.
Home Equity Loan
Access funds against your existing property for personal, business, or financial requirements with convenient repayment options.
Construction Loan
Get financing support for building your home with structured disbursement based on construction progress.
House Purchase Loan
Purchase a ready house with financing solutions that offer flexible repayment and long term ownership support.
Why Choose Our Home Loan
Flexible and transparent home financing with customer friendly benefits and simple approval process
Attractive Interest Rates
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
Home Loan Term and Amount
Loan Amount
Generally, IPDC offers up to 85% of the property value as home loan
Tenure
Up to 25 years
Interest Rate
Attractive interest rate
Home Loan EMI Calculator
Plan your home purchase with confidence. Adjust the loan amount, tenure and interest rate to estimate your monthly installment.
Monthly EMI
BDT 51,609.42
- Principal Amount
- BDT 50,00,000.00
- Total Interest
- BDT 73,86,260.71
- Total Repayment Amount
- BDT 1,23,86,260.71
Payment Breakdown
- Principal AmountBDT 50,00,000.00
- Total InterestBDT 73,86,260.71
Figures are indicative estimates only. The actual EMI, interest rate and loan amount depend on your eligibility, property valuation and the terms applicable at the time of sanction.
Documents Required for Home Loan Application
Applying for an IPDC Home Loan is simple. Keep the following documents ready to ensure a smooth and faster approval process.
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
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Latest from IPDC
News & Events
Stay informed about our latest milestones, initiatives, and stories.
News · 2026
IPDC keeps AAA rating for eighth straight year
IPDC Finance PLC has been awarded the highest ‘AAA’ credit rating by the Credit Rating Agency of Bangladesh Limited (CRAB).
Read story
News · 2026
IPDC launches ‘Play With IPDC’ FIFA World Cup 2026 campaign
IPDC Finance PLC has launched "Play with IPDC", a nationwide digital engagement campaign for FIFA World Cup 2026.
Read story
News · 2026
IPDC Finance receives recognition from BB for Employment Creation Project
IPDC Finance PLC has participated in the "Dissemination Seminar on Inclusive Finance and Enterprise Development" organised by Bangladesh Bank (BB) under the Supporting Post COVID-19 Small Scale Employment Creation Project (SPCSSECP), where the company was recognized for its contribution to expanding access to finance for CMSMEs. The event was attended by Nurun Nahar, Deputy Governor of BB, Kazi Tamanna Hoque, Director of the SPCSSECP, BB, head office, and Rizwan Dawood Shams, IPDC Finance Managing Director.
Read story
News · 2026
IPDC Finance supports exhibition to promote inclusive finance
Demonstrating a deep commitment to advancing women's economic empowerment and supporting women's banking and CMSME growth, IPDC Finance PLC took the lead as gold sponsor of the Women Summit and Exhibition 2026.
Read storyFAQ
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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