Home Loan
Build Your Dream Home Today
৳10L - ৳2Cr
Loan Amount
9.5% - 10.5%
Interest Rate
Up to 20 Years
Repayment Tenure
15-21 Days
Processing Time
Home is Where the Heart Is
Turn your dream of home ownership into reality with our flexible financing solutions.
A home is more than just walls and a roof; it's where your story begins and memories are made. Whether you're buying a new apartment in Gulshan, constructing a house in your hometown, or renovating your existing property, Advance Finance Home Loan provides the support you need with competitive rates and long-term repayment options.
Key Features & Benefits
Comprehensive housing finance tailored to your needs
High Loan Ceiling
Up to ৳2 Crore
Get substantial funding to purchase premium apartments or construct your dream home in prime locations.
Attractive Interest Rate
Starts from 9.5% p.a.
Interest rates are competitive and based on your credit profile. Special rates for government employees.
Maximum Tenure
Up to 20 Years
Enjoy the longest repayment period to keep your monthly installments comfortable and budget-friendly.
Renovation Loan
Home Improvement
Give your existing home a makeover. Funds available for extension, interior decoration, and major repairs.
Balance Transfer
Takeover Facility
Transfer your existing high-interest home loan from other institutions to us and reduce your monthly burden.
Insurance Coverage
Life & Property
Optional insurance plans to safeguard your family from debt burden and property from unforeseen damages.
Eligibility Criteria
Check if you qualify for our home loan
For Salaried Individuals
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Age: 21 to 60 years at application
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Minimum Income: ৳40,000 per month
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Experience: 3 years total work experience
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Employment: Confirmed employee of reputed organization
For Self-Employed / Business
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Age: 21 to 65 years at loan maturity
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Minimum Income: ৳60,000 per month
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Business Tenure: Minimum 3 years in same business
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Documentation: Valid Trade License, TIN, Challan
Required Documents
Prepare these documents for a smooth process
Personal Documents
- NID Card / Passport Copy
- Passport Size Photos (Applicant & Guarantor)
- Utility Bill (Present Address)
- E-TIN Certificate
Income Documents
- Salary Certificate & Pay Slips (Salaried)
- Bank Statement (Last 6-12 Months)
- Trade License (Business)
- Rental Income Proof (if any)
Property Documents
- Title Deed & Bia Deeds
- Mutation Khatian & Proposal
- Up-to-date Land Tax Receipt
- Building Plan Approval (Rajuk/City Corp)
Home Loan EMI Calculator
Estimate your monthly housing installments
Loan Summary
Figures are indicative. Processing fees, insurance, and other charges are not included. Actual offer may vary.
Disclaimer: Interest rates are subject to change based on Bangladesh Bank regulations, market conditions, and applicant's credit profile. Terms and conditions apply. Rates effective as of July 2026. Please contact our nearest branch for the most current rates and complete terms.
Simple 4-Step Process
Your path to home ownership made easy
Application
Submit application with initial personal and income documents.
Assessment
Legal vesting of property documents and technical valuation.
Sanction
Loan approval issuance and acceptance of offer letter.
Disbursement
Registration of property and handover of pay order.
Frequently Asked Questions
Can I apply jointly for a home loan?
Yes, you can apply jointly with your spouse, parents, or children. Co-applicants help increase loan eligibility as incomes can be clubbed together.
What is the maximum loan tenure?
The maximum loan tenure is generally up to 20 years. However, the tenure is also determined by your retirement age (usually 60 or 65 years).
What is loan-to-value (LTV) ratio?
LTV is the percentage of the property value that the bank can finance. Currently, as per Bangladesh Bank regulations, the maximum LTV is 70% (meaning you pay 30% down payment).
Do you finance property under construction?
Yes, we finance properties under construction. In such cases, the loan is disbursed in tranches (stages) based on the construction progress.