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#BRAC Bank Auto Loan
Whether you want to purchase a brand new car or a reconditioned one, BRAC Bank Auto Loan is built for maximum speed and efficiency. Get your dream car on the road in no time.
- Interest Rate:The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
- Processing Fee:Up to 0.50% of the loan amount or BDT 15,000 whichever is lower.
- Supervision Charge:1% annually.
- Other fees and charges – Applicable in accordance with the retail loan Schedule of Charges.
- Schedule of Charges.
Customer Segment & Eligibility
- Available for Salaried individuals, Business Persons, Self Employed & Landlord.
- Minimum Age: 25 Years & Maximum age: 65 years at the time of loan maturity
- Minimum Monthly Income: BDT 25,000 (for salaried); BDT 35,000 (for others)
- Length of service: Confirmed employment with total 1 year work experience
- Age of Business: Min 3 years
- Up to 50% of quoted value of the car
- Maximum loan ceiling up to BDT 40 Lac*
- Tenure: 12 to 72 Months
- For brand new and reconditioned cars
- Latest one year's personal bank statement
- Photocopy of national ID
- One copy passport size photograph of the applicant
- One copy passport size photograph of guarantor
- Price quotation of the vehicle
- Business card / visiting card of the application
- Latest Tax clearance certificate /return receipt of tax*
Additional Required Documents (For Salaried Individuals)
- Letter of introduction stating salary, issued by the employee
Additional Required Documents (For Businessmen)
- Copy of trade License
- Company's bank statement for last one year
- Memorandum of Articles for Limited Liability Company
Additional Required Documents (For Self-Employed Individuals)
- Professional Certificate issued by authorized institution
Additional Required Documents (For Landlords)
- Valid documents of the property
- Rent receipt/deed
Afore mentioned criteria subject to BRAC Bank Product Policy Guideline
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