Bangladesh Bank has increased the maximum home loan limit for banks with low default rates. According to a circular issued on Tuesday, banks with classified loans below 5 percent can now lend up to Tk 4 crore for flat purchases. The previous uniform ceiling for all banks was Tk 2 crore. The revised policy takes immediate effect and replaces earlier directives, while other consumer loan guidelines remain unchanged.
The central bank stated that the revision aims to address rising housing and construction material costs and growing demand in the real estate sector. Under the new rules, banks with default loans between 5 and 10 percent may lend up to Tk 3 crore, and those with over 10 percent defaults will maintain the previous Tk 2 crore limit. The loan-to-equity ratio remains unchanged at 70:30, meaning borrowers must contribute 30 percent of the property value.
The last adjustment to the home loan ceiling occurred in 2019, when the limit was raised from Tk 1.2 crore to Tk 2 crore for all banks.
স্টাফ রিপোর্টার প্রকাশ : ০৭ জানুয়ারি ২০২৬, ১৪: ১৭আপডেট : ০৭ জানুয়ারি ২০২৬, ১৪: ৪৮ স্টাফ রিপোর্টার বাংলাদেশ ব্যাংক গৃহনির্মাণ ঋণের সীমা বাড়িয়েছে। এখন থেকে কম খেলাপি ব্যাংকগুলো ফ্ল্যাট কেনার জন্য সর্বোচ্চ ৪ কোটি টাকা ঋণ দিতে পারবে। এর আগে সব ব্যাংকের
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