The motto of JBL’s Corporate Banking services is to provide a personalized solutions to our customers.

The Bank distinguishes and identifies corporate customers’ need and designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete range of advisory, financing and operational services to its corporate client groups combining trade, treasury, investment and transactional banking activities in one package. Whether it is a project finance, term loan, import or export deal, a working capital requirement or a forward cover for a foreign currency transaction, our Corporate Banking Managers will offer you the accurate solution. Our corporate Banking specialists will render high class service for speedy approvals and efficient processing to satisfy customer needs. Corporate Banking business envelops a broad range of businesses and industries. You can leverage on our know-how in the following sectors mainly:
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Agro processing industry Industry (Import Substitute / Export oriented)

- Textile Spinning, Dyeing / Printing - Export Oriented Garments, Sweater. - Food & Allied - Paper & Paper Products - Engineering, Steel Mills - Chemical and chemical products etc.
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Telecommunications. Information Technology Real Estate & Construction · Wholesale trade Transport · Hotels, Restaurants · Non Bank Financial Institutions Loan Syndication · Project Finance · Investment Banking Lease Finance · Hire Purchase · International Banking · Export Finance Import Finance

Credit Facilities 

The main focus of Jamuna Bank Ltd. Credit Line/Program is financing business, trade and industrial activities through an effective delivery system. Jamuna Bank Ltd. offers credit to almost all sectors of commercial activities having productive purpose. The loan portfolio of the Bank encompasses a wide range of credit programs. Credit is also offered to major thrust sectors, as earmarked by the govt., at a reduced interest rate to develop frontier industries. Credit facilities are offered to individuals including housewives, businessmen, small and big business houses, traders, manufactures, corporate bodies, etc. Loan is provided to the rural people for agricultural production and other off-farm activities. Loan pricing system is customer friendly. Prime customers enjoy prime rate in lending and other services. Quick appreciation, appraisal, decision and disbursement are ensured. Credit facilities are extended as per guidelines of Bangladesh Bank (Central Bank of Bangladesh) and operational procedures of the Bank.

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Different types of Loan offered by Jamuna Bank Limited Personal Loan (PL) Personal Loan (PL) is offered with its basic features (19% Interest rate, No gift and includes processing charge of 10,000-25,000). That is, when personal loan is offered under its general features it is General PL. Flexi Loan When loan is secured it is called Flexi loan like customer pays lump sum money against loan which makes the loan flexible and take the loan amount against that money. Flexi loan can be 100% secured too. Real Estate Financing Home ownership is a basic need and a dream of every individual. Since housing industry plays a vital role in the national economy, our bank has come forward for Real Estate financing for Individual as well as Developers. The main objective of Real Estate Financing is to promote Real Estate Developers and Individuals.

Minimum Income: Net Income/Take home salary will be at least Tk. Eligibility:     Salaried Individuals and Professionals Self -Employed professionals Businessman Wage Earners or other professional serving abroad Maximum Age Limit: 70 [Seventy] years at the end of loan tenor.75.00 (one hundred) lac Maximum Loan Tenor: Up-to 15 (fifteen) years including 01(one) year grace period.40. · Registered Irrevocable Power of Attorney (RIPA) in favor of JBL. Purchase of Building /Flat /Office Space /Chamber /Shops. . Requirement: · Registered Mortgage and Original Title Deed.00 (seventy five) lac · For Building Purchase/Construction of Residential Building Tk.000/-[forty thousand] per month.100. · 60% of total Construction cost for Residential/Commercial Building. · Documents stated in the sanction advice.Scope of Real Estate Loan      For Construction of Residential Building [CRB] For Construction of Commercial Building [CCB] For Flat Purchase [FP] For Building Purchase [BP] For Developers [DEV] Purpose: Construction / Extension / Renovation of Residential / Commercial Building. Maximum Loan Size: · For Flat Purchase Tk. Maximum Loan Ratio: · 50% of total Purchase Price for Flat / Building.

20. Colleges & Schools (Affiliated). and Architects. Multinational Companies. and own the same jointly but share the benefit as per agreement and bear the loss as per equity.per month. Car Loan Customer Segment: For permanent/confirmed service holders of Govt. Minimum Income: Net Income should be at least Tk. (To be substantiated by evidence) The customer must have sufficient net cash flow to repay the loan installments. Teachers of Universities. Professional persons like Doctors. The Vehicle should have maximum 10(ten) seats. machinery etc. Purpose:    To procure brand new/reconditioned Personal Transport.00 Lac Maximum Tk. And thereafter the Bank sell transfer the ownership of its share to the customer. Chartered Accountants.Loans under Islamic Banking System Mode of Investment: Hire Purchase under Sirkatul Melk (HPSM) Definition : HPSM may be defined as a contract between the bank and the customer under which both of them supply the equity in equal or unequal proportion for purchase of ant asset like building. Employees of Private Limited Companies. Security/ Collateral: . of age not more than 5 years.000/. Insurance Companies. Then the portion of asset owned by the bank is hired/let out to the customer partner against an agreed rent along with an undertaking from the client to purchase the asset by making full payment of price (Principal amount plus agreed rent) to the bank either in lump sum or by periodical installment within the certain fixed period of time/after expiry of the hire purchase agreement. Age Limit:   Minimum age 25 years / Maximum age 54 years But loan tenor shall not exceed 59 years of age. Maximum Term of Loan: 5 years Loan to price: Regulated by Bangladesh Bank from time to time. Autonomous Organizations. Public Limited Companies. covered by guarantee of another employee of equal or higher grade. Loan Size: Minimum 5. 40. Semi-Govt. Engineers. NGOs..00 Lac.. Banks. Model year is in the limit of 5 year. acceptable to the bank.

000..00 Loan Size: Maximum Tk.      Lien on Salary and service benefit of the borrower duly confirmed. Consumer durable. Loan to Price Ratio: 80% Security/ Collateral:  One Post dated cheque favouring the Bank covering entire loan amount with interest. Usual charge documents. Minimum Income: Tk. Age Limit & Tenor: 1. Hypothecation/ Lien / Registration / Mortgage of customer procured item. 3. as feasible depending on the type of asset. Loan tenor shall not exceed remaining service life. Purpose : The purpose of consumer financing is to purchase the following Articles: 1.15. Comprehensive 1st party insurance coverage of asset favouring the bank. Post dated cheques for installments and one undated cheque covering entire loan amount with interest. 3. 2. But loan tenor shall not exceed 63 years of age. Household Items. as feasible depending on the type of asset. Third party Guarantor shall be equal to or creditworthy than the principal applicant. acceptable to the bank. .     Registration of vehicle in favor of JBL Personal guarantee of the applicant & applicant’s spouse. 3. Personal guarantee of the client and his spouse (if any) Personal guarantee of another confirmed employee of Jamuna Bank of equal or higher grade Legal/Charge/other Documents:   Acceptance of sanction terms. Consumer Credit Scheme (CCS) Customer Segment: Applicable for Jamuna Bank Ltd employees who have completed at least 6(six) months of confirmed services with the bank. Any other item not covered above but acceptable to the bank. Minimum age 21 years / Maximum age 60 years 2.00 lac for confirmed employees. Hypothecation/ Lien / Registration / Mortgage of any other asset.

Completed Registration/Mortgage/Lien formalities. Disbursement Mode: The Loan amount shall be directly credited to the borrower’s account with JBL. Resignation/Termination from employment of JBL shall make the loan immediately repayable. (2) the customer may lose his repaying capacity. An undertaking in Bank’s prescribed form to pay monthly installments regularly. Fulfillment of Documentation and clean CIB report. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan. if any. Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income. as feasible depending on the type of the asset. Disbursement pre-condition:    Standard account opening and properly filled in KYC. Payment has to be made within 25th day of every month.      Payment starts from the month following the month of disbursement. Repayment Method:  By equated monthly installments. if the bank assumes that. . Interest Rate: 11% per Annum. HO. Installments shall be realized/deducted directly from the monthly salary of the borrower/ employee.      Salary Certificate from the concerned Br/SME center/FAD. Maximum Term of Loan: Maximum 3 years. The full value of the limit shall also be repayable on demand. Default in payment of 2(two) installment shall constrain the bank to take legal measure. acceptable to the bank. (1) the customer has lost his repaying capacity. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. Letter of Lien on Salary and service benefit on JBL standard format The Sale Receipt of goods in the name of the borrower. Letter of Authority to take repossession and sell the goods/item/asset purchased/procured under JBL financing.

Businessmen at steady trade for at least two years evidence by Tax payment & Trade license. Age Limit & Tenor: 1.E).) Permanent Members of priority organizations (ref: Policy guideline Clause no.4.2. Minimum age 25 years / Maximum age 54 years 2.D). 3. Colleges & Schools (Affiliated). for use in lawful purpose. To procures brand new/unregistered Personal Transport. Customer Segment: Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments         Permanent/confirmed service holders Teachers of Universities. Self-Employed and Professional who are accredited and taxpayer for at least two years. Members of institution having corporate arrangement with the bank(ref: Policy guideline Clause no. of age not more than 5 years. (to be substantiated by evidence)The Customer must have sufficient net cash flow to repay the loan installments. 2.1.2. All regular Employees of Jamuna Bank Limited.00 lac Maximum Tk. Bank at its discretion may also extend facility to any customer not mentioned above. 40. Size: Minimum 5. The Vehicle should have maximum 10(ten) seats. Loan tenor shall not exceed 59 years of age . Loan tenor shall not exceed unexposed service life of salaried person. 20.80% .00 lac Loan to Price Ratio:  For the client-50%-80%  JBL employee .Auto Loan-Against Car Registration Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Minimum Income: Net Income should be at least Tk. Purpose: 1.per month.4.1. (Service life will minimum 1 year as permanent employee of Jamuna Bank Ltd.000/.

as feasible depending on the type of asset.  Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. Comprehensive 1st party insurance coverage of the vehicle favouring the bank from a reputed Insurance Company. acceptable to the bank. Usual charge documents & JBL standard Lease agreement. Hypothecation/ Lien / Registration / Mortgage of any other asset. Registration of the vehicle in the name of the bank. Copy of Telephone/WASA /Gas /Electricity bill. Guarantee of a Person/Company/Institution acceptable to the Bank. if applicable. as feasible depending on the type of the asset. acceptable to the bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Lien on Salary and service benefit of the customer duly confirmed by his employer on JBL standard format. Legal/Charge/other Documents         Acceptance of sanction terms.  Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset. Declaration of the guarantor in JBL standard format.Security/ Collateral         Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. . Personal guarantee of the client and his spouse (if any) Authority of the borrower/user for repossession and sell the vehicle by the bank. in case of default in making payment of 3(three) consecutive installments. Salary Certificate from the Employer. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured under JBL financing. acceptable to the bank. if salaried and bank account statement. as feasible depending on the type of the asset. Municipality/Holding tax receipt. Letter of Lien on Salary and service benefit of the customer(if service holder) from his employer on JBL standard format. An undertaking in Bank’s prescribed form to pay monthly installments regularly.

Completed registration & first party insurance of the car in the name of the bank. Tk.  Disbursement pre-condition:    Standard account opening and properly filled in KYC. Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income.7 of the policy guideline.3. JBL employees’ installments shall be realized from monthly salary. (2) the customer may lose his repaying capacity.  Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. if the bank assumes that. Default in payment of consecutive 3(three) installments shall constrain the bank to take legal measure.500.Interest Rate: For the client-16% Par annum For JBL Employee-15% Par annum For overdue-Penal interest 4% Maximum Term of Loan: For the client .  The full value of the limit shall also be repayable on demand. For JBL Employee . Further guideline at section2.     Payment starts from the month following the month of disbursement. Repayment Method:  By equated monthly installments. Fulfillment of Documentation and clean CIB report. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan.3-5 years. Disbursement Mode: Bank’s sanctioned amount shall be disbursed through payment order/bank draft directly to the supplier/seller upon receipt of registration and first party insurance in the name of the bank. Payment has to be made within 10th day of every month.00 shall be charged as penalty for each bounced cheque. . (1) the customer has lost his repaying capacity.3-6 years.

as feasible depending on the type of asset. Size: Minimum 2.00 lac Loan to Price Ratio : Not applicable. Personal guarantee of the client and his spouse (if any) Lien on Salary and service benefit of the customer duly confirmed by his employer on JBL standard format. House Renovation. acceptable to the bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank. shop space purchase. 2.00 lac Maximum Tk. acceptable to the bank. Land Purchase. Office Equipment.        Registered mortgage/ registration of asset in the name of the bank having value of at least two times the loan applied for. Purpose: Travel expenses. which may be relaxed in suitable case.Any purpose Loan-Against Security Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Hypothecation/ Lien / Registration / Mortgage of any other asset. Marital Expenses. Age Limit & Tenor: 1.per month. office space purchase. 50.000/. Home Construction. Minimum Income : Net Income should be at least Tk. Nationality: Bangladeshi by Birth. Guarantee of a Person/Company/Institution acceptable to the Bank. Customer Segment: Customers having sufficient net cash flow to deposit installments regularly & comfortably are eligible for the loan. Household Durables/Equipments/Electronics Purchase or any other lawful purpose of the customer. The Customer must have sufficient net cash flow to repay the loan installments. 17. . Festival Expenses. Transport Purchase. if applicable. if applicable.  Security/ Collateral: Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. Third party mortgage shall be discouraged. Educational Expenses. Minimum age 25 years / Maximum age 55 years but loan tenor shall not exceed 60 years of age . Loan tenor shall not exceed remaining service life of salaried person.(to be substantiated by evidence). Professional Equipment Purchase. Office Decoration.

(3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan. Salary Certificate from the Employer. Payment has to be made within 10th day of every month. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure.   Interest Rate: 16% p. Irrevocable Letter of authority/Power of Attorney to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset.a. An undertaking in Bank’s prescribed form to pay monthly installments regularly. acceptable to the bank. if salaried and bank statement. as feasible depending on the type of the asset.Legal/Charge/other Documents:  Acceptance of sanction terms.500. Payment starts from the month following the month of disbursement. if applicable. as feasible depending on the type of the asset. goods/item/asset Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage of procured asset/any other asset.        Usual charge documents. Guarantor’s declaration on bank’s standard format. Letter of Lien on Salary and service benefit of the customer(if service holder) from his employer on JBL standard format. if applicable. Letter of Authority to take repossession and sell the purchased/procured/offered under JBL financing. if the bank assumes that. (2) the customer may lose his repaying capacity. Municipality/Holding tax receipt. In suitable case the loan period may be relaxed. Copy of Telephone/WASA /Gas /Electricity bill.  . Tk. (1) the customer has lost his repaying capacity.( overdue Penal interest @ 4% ) Maximum Term of Loan: 10 (Ten) years. acceptable to the bank. Repayment Method      By equated monthly installments. The full value of the limit shall also be repayable on demand.00 shall be charged as penalty for each bounced cheque. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable.

(Service life will minimum 1 year as permanent employee of Jamuna Bank Ltd. Salary Loan-Lien on Salary/Service Benefit Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Permanent/confirmed service holder of Govt. educational expenses. Colleges & Schools (Affiliated).E). household durables/equipments/electronics purchase or any other lawful purpose of the customer. Loan tenor shall not exceed remaining service life of salaried person. if applicable. v) Members of institution having corporate arrangement with the bank(ref: Policy guideline Clause no. Further guideline at section2.Disbursement pre-condition:  Standard account opening and properly filled in KYC. Disbursement Mode :Bank’s sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd. Completed Registration/Mortgage/Lien formalities.    Fulfillment of Documentation and clean CIB report. Purpose Travel expenses. Job security of salaried applicants shall be taken into consideration while processing application.2. vi) Bank at its discretion may also extend facility to any customer not mentioned above. ii) Teachers of Universities. Age Limit and Tenor Minimum age 21 years / Maximum age 55 years but loan tenor shall not exceed 60 years of age.4. acceptable to the bank. Semi-Govt. office decoration.1. . office space purchase. house renovation.) iv) Permanent Members of priority organizations (ref: Policy guideline Clause no. Deposit of equity money and bank charges.4. shop space purchase. land purchase. festival expenses. Employees of Private Limited Companies acceptable to the bank. professional equipment purchase. transport purchase. home construction.7 of the policy guideline. Marital expenses.. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. Public Limited Companies.3.D).1.2.  Contact point verification and income verification by the branch nominated and head office accepted officials/agency. Autonomous organizations. iii) All regular Employees of Jamuna Bank Limited. office equipment. covered by guarantee of another employee of equal or higher grade. Insurance Companies. NGOs.. Banks. Multinational Companies.

The Customer must have sufficient net cash flow to repay the loan installments. if applicable.00 lac or 12 times gross salary. Legal/Charge/other Documents         Acceptance of sanction terms. Municipality/Holding tax receipt. which ever is lower. Copy of Telephone/WASA /Gas /Electricity bill.00 lac Maximum Tk.  Guarantee of a Person/Company/Institution acceptable to the Bank. Letter of Lien on Salary and service benefit of the customer from his employer on JBL standard format. if applicable. Letter of Authority to take repossession and sell the goods/item/asset purchased/procured/offered under financing from JBL. if applicable.(Guarantor shall be equal to or more creditworthy then the Principal applicant). acceptable to the bank. Loan to Price Ratio: Not applicable Security/ Collateral     Post dated cheques favouring the Bank for all installments and one undated cheque Covering the loan amount with interest. An undertaking in Bank’s prescribed form to pay monthly installments regularly. as feasible depending on the type of asset. as feasible depending on the type of the asset. Salary Certificate from the Employer. acceptable to the bank. . 8. and bank account statement. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. Personal guarantee of the client and his spouse (if any) Lien on Salary and service benefit of the customer and consent to pay to JBL on demand to adjust the loan from his employer on JBL standard format.per month. duly confirmed by the appropriate authority & verified by the branch manager. Size :Minimum 1.Minimum Income   Net Income should be at least Tk. Hypothecation/ Lien / Registration / Mortgage of Purchased Asset/any other asset. Usual charge documents.000/. 15.

Disbursement pre-condition      Standard account opening and properly filled in KYC. Repayment Method        By equated monthly installments. (2) the customer may lose his repaying capacity. (1) the customer has lost his repaying capacity. The full value of the limit shall also be repayable on demand.500. Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan. Deposit of equity money and bank charges. if the bank assumes that. Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income. Fulfillment of Documentation and clean CIB report.7 of the policy guideline. Interest Rate: 17% p.00 shall be charged as penalty for each bounced cheque. Payment has to be made within 10th day of every month. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. Payment starts from the month following the month of disbursement. as feasible depending on the type of the asset. Further guideline at section-2. . Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset. if any. Disbursement Mode: Bank’s sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd.a. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Completed Registration/Mortgage/Lien formalities.3. acceptable to the bank. Tk. if applicable. (For overdue Penal interest @ 4%) Maximum Term of Loan: 05 (five) years. if applicable.

FRCS. Post Graduate. Doctoral or Professional courses. Gross Monthly Income. MBM. Age Limit For student 18 40 For Guarantor 35 57 Minimum age Maximum age But loan tenor shall not exceed 60 years of age/ remaining service life of Guarantor/Customer. FCPS.  Professionals Courses: CA. Contact point. Further details are at policy guideline clause no. Pre-qualification: The applicant must have (1) Chatro-Bondhu account(EL-19) or (2) Overseas Student File or (3) Overseas Scholarship/University Acceptance Purpose: Student support to bear (1) Tuition Fees (2) Living Cost (3) other Educational Expenses (4) Consultants fee (5) Visa Processing fees (6) Traveling cost (7) Document/other verification fees (8) Purchase of Educational Equipments/Gadget (9) any other cost not stated above but acceptable to the bank.  Overseas Education in any reputed educational institution. Security. MBA.  Minimum Educational Qualification: HSC/A-Level Pass.  Person having overseas job offer at hand.3. CIMA. Medical/Engineering/Nursing Colleges & Institutes. Education Loan Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles.  Jamuna Bank Employee/dependents who fulfill the above criteria. Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Customer Segment  Students of reputed Public/Private Universities. Bar. CMA. Addresses.  Student studying Undergraduate. .Verification of Personal Details and Quotation (if applicable) :Personal details.2. Phone numbers.at-Law. Marine. bound by training/course requirement.6.

00 lac Maximum Tk.000/.  Hypothecation/ Lien / Registration / Mortgage of any other asset. Letter of Lien on Salary and service benefit of the Guarantor (if service holder) from his employer on JBL standard format. Copy of Telephone/WASA /Gas /Electricity bill. (if any) Guarantee of a Person/Company/Institution acceptable to the Bank(Guarantor shall be equal to or more creditworthy than the Guarantor). Loan to Price: Maximum 70% of the submitted/estimated/incurred expenditure. 30. acceptable to the bank. if applicable. Mortgage of any tangible asset having forced sale value of at least double the loan amount or Lien on financial asset having value at least equivalent to the loan amount. The Customer/Guarantor must have sufficient net cash flow to repay the loan installments.00 lac (subject to fulfillment of DBR by the guarantor). Security/ Collateral       Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. if salaried and bank statement. Personal guarantee of the applicant and Spouse. Lien on Salary and service benefit of the Guarantor (if service holder) and consent to pay to JBL on demand to adjust the loan from his employer on JBL standard format duly confirmed by the appropriate authority & verified by the branch manager. Municipality/Holding tax receipt. Income shall have to be substantiated as per existing Retail-Banking policy Size Minimum 1.per month. An undertaking of the guarantor in Bank’s prescribed form to pay monthly installments regularly. . Legal/Charge/other Documents        Acceptance of sanction terms. Usual charge documents. as feasible depending on the type of asset. Employer’s certificate in the JBL standard format to the effect that the guarantor is in the permanent service of the organization (if service holder). Salary Certificate of the guarantor from the Employer.Minimum Income Gross Monthly Income of the Customer/Guarantor should be at least Tk. 10. Any other security acceptable to the bank.

Contact Point Verification and income verification by the branch nominated and head office accepted official(s)/agency. if applicable. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage of procured asset/any other asset. acceptable to the bank. as feasible depending on the type of the asset. which shall remain blocked. (2) the customer/guarantor may lose his repaying capacity. Payment has to be made within 10th day of every month. No Cash withdrawal shall be allowed. Bank’s sanctioned amount shall be transferred to the customers’ account with Jamuna Bank Ltd.   Letter of Authority to take repossession and sell the goods/item/asset purchased/procured/offered under JBL financing. acceptable to the bank. if applicable.500. if the bank assumes that. (3) the customer’s/guarantor’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan. Interest Rate: 14. Disbursement pre-condition  Standard account opening and properly filled in KYC.( overdue Penal interest @ 4%) Maximum Term of Loan: 4 (Four) years. The full value of the limit shall also be repayable on demand. Irrevocable Letter of authority/Power of Attorney to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset. Tk.a. . as feasible depending on the type of the asset. Repayment Method  By equated monthly installments.   Fulfillment of Documentation and clean CIB report and Deposit of bank charges.       Payment starts from the month following the month of disbursement. Resignation/Termination of any salaried Person/Guaraantor from present employment shall make the loan immediately repayable. b. (1) the customer/guarantor has lost his repaying capacity.50 to 17. Disbursement Mode: a.00 shall be charged as penalty for each bounced cheque.00% p. Default in payment of consecutive 2(two) installments shall constrain the bank to take legal measure.

00 1-2% Tk.3. Estimate. Respective amounts shall be disbursed via PO/DD/FDD.7 of the policy guideline. Any other document acceptable to the bank that may stand as a proof of income Personal Loan for Professional & Self Employed person Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Verification of Personal Details and Quotation(if applicable) Personal details. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income of Customer/Guarantor. Security. Gross Monthly Income. Cost Memo/Purchase slip/Reservation/Confirmation etc. Personal Net-Worth Statement. Addresses.1. Other charges Type of Charge JBL Employee employees dependent N/A N/A N/A At actual N/A or Customers Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Substantiation of Income 1% maximum Tk.2.00 At actual 1% All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose:      Last Income Tax Return/TIN.6.000. Bank Statements for minimum last 6 months. Contact point. Cost Memo/Purchase slip/Reservation/Confirmation and other involved parties shall be verified. Further Guideline at section-2. Salary statement in bank format. Phone numbers. Institution. Further details are at policy guideline clause no. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: . upon receipt of University’s/Institute’s/Representative’s food/lodging/boarding/tuition/charges Estimate.3. 300.c. as applicable.

00 lac Loan to Price Ratio: 70% Security/ Collateral  Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. Educational Expenses. Farmers having significant income evidenced by ownership documents. Home Construction. Professional Equipment Purchase. Transport Purchase. into Stability of future source(s) of income. Promising Businessman/Professional of high net-worth & Entrepreneurial Quality.00 lac Maximum Tk. House Renovation. Office Equipment. Minimum Income Net Income should be at least Tk. shop space purchase. 40. Bank at its discretion may also extend facility to any customer not mentioned above.Any other lawful purpose of the customer. acceptable to the bank. lower reputation or of lower circulation newspaper (6) Travel Agents & C&F agents (7) Mariners (8) Owner of non reputed Proprietorship/Partnership firms (9) Politically affiliated personalities and (10) Negative listed individuals. Non Target Customer: (1) Lawyers (4) Public figure & media Personalities (5) Journalists. Office Decoration. . Festival Expenses. Household Durables/Equipments/Electronics Purchase. Landlord.per month. Age Limit & Tenor Minimum age 25 years / Maximum age 57 years but loan tenor shall not exceed 62 years of age . Land Purchase.Travel expenses. office space purchase. prospect of trade for businessman will be taken consideration while processing application. B. 20. Nationality: Bangladeshi by Birth.000/. Purpose A.i) ii) iii) iv) v) Businessmen at steady trade for at least two years evidence by Tax payment & Trade license. Marital Expenses. Size :Minimum 2. Self-Employed and Professionals who are accredited and taxpayer for at least two years. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments.

acceptable to the bank. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing. In suitable case security condition may be relaxed. acceptable to the bank. as feasible depending on the type of asset. Municipality/Holding tax receipt. Usual charge documents & JBL standard Lease/Loan agreement. Interest Rate : 14%-16% (overdue Penal interest 4%) per annum. Payment starts from the month following the month of disbursement. Copy of Telephone/WASA /Gas /Electricity bill. Third party security shall be discouraged. as feasible depending on the type of the asset. as feasible depending on the type of the asset.       The loan above Tk. Legal/Charge/other Documents        Acceptance of sanction terms. acceptable to the bank. if applicable. An undertaking in Bank’s prescribed form to pay monthly installments regularly. if applicable. Maximum Term of Loan: 5 (Five) years.00 lac shall be secured by 200% tangible asset or 100% financial asset. Personal guarantee of the client and his/her spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. 8. . Repayment Method   By equated monthly installments. Letter of lien on monthly payment & service benefit of salaried customer.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank.  Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset.

if the bank assumes that. The full value of the limit shall also be repayable on demand. Gross Monthly Income. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. Deposit of equity money and bank charges. Further guideline at section-2. clause no.00 shall be charged as penalty for each bounced cheque. Disbursement Mode Bank’s sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd.00 1-2% Tk.3. Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Fulfillment of Documentation and clean CIB report. (2) the customer may lose his repaying capacity. Contact point. Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency.7 of the policy guideline. Disbursement pre-condition      Standard account opening and properly filled in KYC. Completed Registration/Mortgage/Lien formalities.     Payment has to be made within 10th day of every month.500. Tk. Verification of Personal Details and Quotation Personal details. security. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan. 300.2. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Customers 1% maximum Tk. Addresses. if any. (1) the customer has lost his repaying capacity.6.5000.00 . Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Further details are at policy guideline.3. Phone numbers. Debt Burden Ratio (DBR %) Primarily 30% of monthly monthly net income. if any.

Overseas JOB Loan-Against Security Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles.  Physical Verification of tradable assets. iv) Bank at its discretion may also extend facility to any customer not mentioned above. prospect of trade for businessman will be taken into consideration while processing application. iii) Person having business overseas evidenced by business documents. ii) Person moving overseas for on the job training with subsequent Job Prospect.  Photocopy of day to day purchase-sale/Income-Expenses ledger book.  Salary statement in bank format. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Person having valid Job Offer/Akama/Green Card/Business Visa/ Resident Visa/Work Permit Visa.Other Charges Early Adjustment Fee Substantiation of Income At actual 1% All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose:  Last Income Tax Return/TIN.3.8.(2) Convicted personalities under any law of the land.  Bank Statements for minimum last 6 months.  Ownership documents.2. Purpose .  Rental agreement/Municipal Tax receipt/DCR  Any other document acceptable to the bank that may stand as a proof of income Further details are at policy guideline clause no. if service holder.  Personal Net-Worth Statement. Stability of future source(s) of income. Non Target Customer: (1) Negative listed individuals.

A. B.Any other lawful purpose of the customer. Household Durables/Equipments/Electronics Purchase. Home Construction. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset. House Renovation.00 lac Maximum Tk. acceptable to the bank. Nationality: Bangladeshi by Birth. Festival Expenses.000/. Legal/Charge/other Documents . Age Limit and Tenor Minimum age 25 years / Maximum age 57 years but loan tenor shall not exceed 62 years of age . Lien of financial asset having value of atleast equivalent to the loan amount. Third party security shall be discouraged. Land Purchase. if applicable. office space purchase. shop space purchase. Professional Equipment Purchase.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank. Minimum Income Net Income should be at least Tk. Personal guarantee of the client and his/her spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank. Transport Purchase. acceptable to the bank.per month. Educational Expenses. Size: Minimum 2. Office Decoration. 50.Travel expenses. Office Equipment.00 lac Loan to Price Ratio : 70% Security/ Collateral         Post dated cheques favouring the Bank for all installments Registered mortgage/ registration of fixed asset in the name of the bank having value of at least two times the loan applied for. as feasible depending on the type of asset. 50. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments. Marital Expenses.

Interest Rate: 14%-16% per annum (overdue Penal interest 4%) Maximum Term of Loan: 5 (Five) years. An undertaking in Bank’s prescribed form to pay monthly installments regularly. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan. Letter of lien on monthly payment & service benefit of salaried customer. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. (1) the customer has lost his repaying capacity. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. if the bank assumes that. as feasible depending on the type of the asset.       Acceptance of sanction terms. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. acceptable to the bank. as feasible depending on the type of the asset. . (2) the customer may lose his repaying capacity. Usual charge documents & JBL standard Lease/Loan agreement.       Payment starts from the month following the month of disbursement. Tk.500.00 shall be charged as penalty for each bounced cheque. Municipality/Holding tax receipt. Payment has to be made within 10th day of every month.  Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset. The full value of the limit shall also be repayable on demand. Repayment Method  By equated monthly installments. if applicable. acceptable to the bank. Copy of Telephone/WASA /Gas /Electricity bill.

Gross Monthly Income.3.  Ownership documents. Contact point.Disbursement pre-condition     Standard account opening and properly filled in KYC.  Bank Statements for minimum last 6 months. Addresses.5000. Verification of Personal Details and Quotation Personal details.3. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Customers 1% maximum Tk.00 At actual 1% Substantiation of Income: All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose:  Last Income Tax Return/TIN/IT10B. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. if service holder.2. if any. Phone numbers. security.  All overseas documents has to be authenticated by nearest Bangladesh High Commission/Embassy. if any.  Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. Deposit of equity money and bank charges.00 1-2% Tk. Disbursement Mode Bank’s sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd.  Rental agreement/Municipal Tax receipt/DCR  Any other document acceptable to the bank that may stand as a proof of income . Completed Registration/Mortgage/Lien formalities. Further guideline at section2. Further details are at policy guideline clause no. Fulfillment of Documentation and clean CIB report.  Personal Net-Worth Statement.  Salary statement/Job Contract/Authenticated Fianancial Statement.6.7 of the policy guideline. 300. Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified.

(2) Convicted personalities under any law of the land. NGOs. 50. Offices. Diagnostic Centres. Office Equipment. Age Limit and Tenor Minimum age 25 years / Maximum age 60 years but loan tenor shall not exceed 65 years of age .Educational Expenses.000/. ii) iii) Non Target Customer: (1) Negative listed individuals. Offices. 30.00 lac Loan to Price Ratio: 70% . B. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments. Household Durables /Equipments/Electronics Purchase. Clinics.per month. Multinational/Local Corporate. Commercial/ Office / Chamber Space Purchase/ Renovation /Decoration. prospect of trade for Self-Employed will be taken into consideration while processing application. Medical Equipment Purchase.00 lac Maximum Tk. Minimum Income Net Income should be at least Tk. Autonomous Organizations. Semi Govt. Nationality: Bangladeshi by Birth. acceptable to the bank. Govt. Transport Purchase. UN Bodies. National/International Aid agencies. Professional Equipment Purchase.Doctors Loan Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles.Any other lawful purpose of the customer. Size: Minimum 2. Office Decoration. Self Employed Tax Paying Doctors having good reputation and reliable income source(s). Purpose A. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Salaried Doctors of reputed Medical Colleges & Hospitals. Stability of future source(s) of income. House Renovation.

Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset. Loan above Tk.00 lac must be secured by 200% fixed asset or 100% financial asset. Personal guarantee of the client and his spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank.10. acceptable to the bank. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing.5%-17% per annum (Overdue Penal interest 4% ) . Usual charge documents & JBL standard Lease/Loan agreement. Attested copy of certificate of last medical degree. as feasible depending on the type of the asset. Attested copy of BMDC certificate(whenever applicable) An undertaking in Bank’s prescribed form to pay monthly installments regularly. if applicable. Copy of Telephone/WASA /Gas /Electricity bill.  Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset.Security/ Collateral       Post dated cheques favouring the Bank for all installments & one cheque covering entire loan amount with interest upto maturity. Legal/Charge/other Documents           Acceptance of sanction terms. Attested copy of BMA membership certificate.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank. if applicable. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset. Interest Rate: 14. acceptable to the bank. Municipality/Holding tax receipt. as feasible depending on the type of asset. acceptable to the bank. as feasible depending on the type of the asset. Letter of lien on monthly payment & service benefit of salaried customer.

Tk. disbursement shall be made through a payment order directly to the seller upon receipt of registration/hypothecation/pledge/completion of mortgage formalities. (1) the customer has lost his repaying capacity. Further guideline at section2. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. In suitable case loan period may be relaxed. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities. Deposit of equity money and bank charges.500. The full value of the limit shall also be repayable on demand.3. Verification of Personal Details and Quotation . if any. Payment has to be made within 10th day of every month. (2) the customer may lose his repaying capacity. Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. Disbursement pre-condition      Standard account opening and properly filled in KYC. Disbursement Mode Bank’s sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd. if the bank assumes that. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. (3) the customer’s conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan. But in case of transport/equipment/fixed asset purchase.       Payment starts from the month following the month of disbursement.Maximum Term of Loan : Maximum 5 (Five) years. if any.7 of the policy guideline.00 shall be charged as penalty for each bounced cheque. Repayment Method  By equated monthly installments.

Addresses.5000. 300. Phone numbers.  Photocopy of day to day income expense ledger book.2. if service holder. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Substantiation of Income: All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose:  Last Income Tax Return/TIN.  Rental agreement/Municipal Tax receipt/DCR  Any other document acceptable to the bank that may stand as a proof of income Customers 1% maximum Tk.Personal details. Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified.3. Contact point. security.  Personal Net-Worth Statement.  Salary statement in bank format.6. Gross Monthly Income.00 At actual 1% .  Bank Statements for minimum last 6 months.  Ownership documents. Further details are at policy guideline clause no.00 1-2% Tk.

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