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🏆 25+ Years of Structural Excellence
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Home Loan in Bangladesh 2026 — Banks, Rates & Complete Process Guide
📅 2026-02-15 · 📂 Finance Guide · ✍️ Mollik Builders Editorial
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Home Loan in Bangladesh — Your Complete 2026 Guide
Buying a flat in Dhaka doesn't require the full amount upfront. Banks and financial institutions in Bangladesh offer home loans to make flat ownership accessible to salaried employees, self-employed professionals, and NRBs.
Top Banks for Home Loans in Bangladesh
| Bank | Type | Rate (2026) | Max Loan | Tenure |
|---|---|---|---|---|
| BRAC Bank | Conventional | 8.5% | 80% of value | Up to 20 years |
| Dutch-Bangla Bank | Conventional | 8.2% | 75% of value | Up to 20 years |
| Islami Bank BD | Shariah (HPSM) | 6.5% markup | 80% of value | Up to 20 years |
| Al-Arafah Islami Bank | Shariah | 7.0% markup | 75% of value | Up to 15 years |
| BHBFC (Govt.) | Conventional | 7.5% | ৳50 Lac max | Up to 25 years |
EMI Estimate for Mollik Builders Flats
| Flat | Price | Loan (80%) | Est. Monthly EMI (15yr@8%) |
|---|---|---|---|
| Madina Tower | ৳46.17 Lac | ৳36.9 Lac | ~৳35,000/month |
| Bismillah Tower | ৳77.76 Lac | ৳62.2 Lac | ~৳59,000/month |
| Mollik City VIP | ৳1.09 Crore | ৳87.2 Lac | ~৳83,000/month |
Eligibility Criteria
- Age: 21-60 years at loan maturity
- Income: Minimum ৳30,000/month for ৳46 Lac flat
- Employment: 2+ years continuous employment (or 3 years self-employed)
- Credit history: No loan defaults
All Mollik Builders projects are eligible for bank financing. Our sales team will connect you with our banking partners. Call +880-1715-120802.
Related Projects
- Madina Tower — 1350 sqft, ৳46.17 Lac (10% Disc. Applied)
- Bismillah Tower — 1440 sqft, ৳77.76 Lac (10% Disc. Applied)
- Mollik City 8 — 1250 sqft (inside), ৳48,12,500
Frequently Asked Questions
❓ What is the minimum salary for a home loan in Bangladesh?
Most banks require a minimum monthly income of ৳25,000-30,000 for a ৳46 Lac loan. Higher loan amounts require proportionally higher income.
❓ Can NRBs (Non-Resident Bangladeshis) get home loans?
Yes, several banks including BRAC Bank and Islami Bank offer NRB home loans. You can also use remittance income for loan eligibility assessment.