About this product
Overview
BRAC Bank Home Loan helps you buy an apartment, construct a house, or renovate your home with loan amounts up to BDT 2 Crore and flexible tenures up to 25 years.
Published terms
Product specifications
- Loan category
- Home
- Loan amount range
- ৳500,000 — ৳20,000,000
- Repayment tenure
- 12 to 300 Months
- Processing Fee
- 0.50% - 1.00% of sanctioned loan amount
- Repayment method
- Equated Monthly Installment (EMI) auto-debited from bank account
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Published ledger
Current rates & charges
Rate stability verified:
Unchanged since January 1, 2026 across append-only ledger audits.
| Tenure / specification | Rate type | Current rate | Effective date |
|---|---|---|---|
| Standard Home Loan Rate | Interest Rate |
Current
11%
|
January 1, 2026 |
Interactive decision tool
Monthly EMI & cost simulator
Published rate
12.00% p.a.
৳500,000
৳500,000
৳20,000,000
Estimated monthly EMI
৳0
Reducing-balance amortization
?
সহজ ভাষায়: বকেয়া মূলধনের ওপর সুদের হিসাব; কিস্তি পরিশোধের সাথে সাথে প্রতি মাসে সুদ কমতে থাকে।
Total interest payable
৳0
Processing Fee + 15% NBR VAT
?
সহজ ভাষায়: ব্যাংক সার্ভিস চার্জের ওপর জাতীয় রাজস্ব বোর্ডের (NBR) নির্ধারিত ১৫% বাধ্যতামূলক ভ্যাট।
VAT incl.
৳0
Total repayment
৳0
Catalogue facts
Eligibility & required documents
Eligibility
- Bangladeshi Citizen
- Age 25 to 65 years at loan maturity
- Minimum Monthly Gross Income BDT 50,000
Documents
- NID/Passport copies of applicant & co-applicant
- Photographs (2 copies each)
- Income proof: Salary certificate, pay slips, or business financials
- Last 12 months bank statements
- Property documents: Title Deed, Mutation, Khatian, Rajuk approved plan, Non-Encumbrance Certificate
Provenance
Source & verification
Catalogue outline. Confirm the rate, fee, and eligibility with the institution before comparing or applying.