Home Loan

Delta Brac Housing Home Loan

Delta Brac Housing Finance company Ltd., often called DBH was rated ‘AAA’ (Triple A), high to the rating scale for long run and ST-1 for short time period for the fourth consecutive year. Mr. Hamidul Huq, Managing Director of credit standing agency of Bangladesh (CRAB) exceeded over the credit standing report to Mr. Q.M. Shariful Ala, Managing Director of DBH at a function held on the latter’s company place of business in Dhaka. Senior officials of DBH and CRAB had been gift on the function. CRAB’s impartial score Committee comprising of financial analysts of residence and overseas prepared the credit rating file on the foundation of qualitative and quantitative analysis and balance sheet for the monetary yr 2008-09 of the manufacturer. The CRAB score document indicated that AAA credit rating has been given to DBH for first-rate financials, healthful and sustainable franchises and a primary rated working atmosphere. “AAA displays DBH’s robust asset quality, capital adequacy, working efficiency, management force, company governance and market management,” Managing Director of CRAB Hamidul Huq mentioned adding “correctly, the credit rating is a sign of the relative safety, security and force of a fiscal university which is principal to its depositors and other investors reminiscent of shareholders and lenders”. Q. M. Shariful Ala mentioned “we're happy to get AAA for the fourth consecutive years. Receiving triple AAA is a testament to our strong fundamentals and can aid increasing our offerings as good as DBH’s steady efforts to broaden dwelling ownership within the country.

Home Loan Counseling

Our home loan counselors offer you the specialist advice. Be it legal documentation, project or builder approvals, and technical advice, we look forward to sharing with you and this service is absolutely free.

Our project approval facility provides our customers the comfort of purchasing properties from builders who have complied with all basic documentation.

Door Step Service
We offer door step service. Please call for our Sales Executive to assist you or get in touch with the DBH Office near you.

We help you find your dream home
We can provide you with the list of property available at the preferred location of any specific developer.And the service is absolutely free.

You can buy, sell residential properties through DBH Property Services. We provide legal documentation services related to property transaction. Please contact our Property Services for the detail.

Wide Product Range
We provide loans to meet all your requirements for you to make that house a home.

    Apartment Loan, Home Construction Loan, Housing Plot Loan, Home Improvement Loans, Home Extension Loans, Loans to professionals for chamber purchase, Home Owner’s Loan (Loan Against Property).

  • Loans on Adjustable Rate, Fixed Rate.
  • Loan Protection Insurance

Multiple Repayment Option (Flexi Plus Home Loan)

Step Up Repayment Facility
Helps young executives take a much bigger loan today based on an increase in their future income, this helps executives buy a bigger home today!

Flexible Loan installments Plan
Often customers, parents and their children, wish to purchase properties together. The parent is nearing retirement and their children have just started working. This option helps such customers combine the incomes and take a long term home loan where in the installment reduces upon retirement of the earning parent.

Tranche Based EMI
Customers purchasing an under construction property need to pay interest (on the loan amount drawn based on level of construction) till the property is ready. To help customer save this interest, we have introduced a special facility of tranche based EMI. Customers can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amount drawn. Anything over and above the interest paid by the customer goes towards Principal repayment. The customer benefits by starting EMI and hence repays the loan faster.

Accelerated Repayment Scheme
Accelerated Repayment Scheme offers you a great opportunity to repay the loan faster by increasing the EMI. Whenever you get an increment, increase in your disposable income or have lumpsum funds for loan prepayment, you can benefit by:
  • Increase in EMI means faster loan repayment
  • Saving of interest because of faster loan repayment

    You can invest lumpsum funds rather than use it for loan prepayment. The return from the investments also gives you the comfort of paying the increased EMI.

Network of financing
    DBH is able to provide home loans in Dhaka, Chittagong and Sylhet. You can apply at your local DBH office for properties in locations where we finance.

Post Disbursement Services
    Income tax Certificate of the latest income year to enable you to claim the tax benefits can be supplied to you upon request from you. This service is absolutely free.

Loan Repayment
  •  Post dated cheques – No charges for replacement of cheques
  • Early Loan Repayment at DBH Head Office at Gulshan (9th Floor)

    Registered Mortgage of the property financed. Additional/alternate collateral security may be required on a case to case basis.

How to Apply?
    Complete Application to be submitted in the prescribed application form of DBH, to any of the DBH offices in Dhaka,  Chittagong or Sylhet.

Apartment Loan
Everyone dreams for owning a home and having DBH beside you it is no more a dream but the reality of today. Be it new or old, you decide to buy an apartment in Dhaka or Chittagong or Sylhet, DBH Apartment Loan will support you in meeting your needs. With DBH Apartment Loan be a proud owner of an apartment.

Housing Plot Loan
You have a dream home sketched in your mind, built exactly on a land at your chosen location. Have you found the housing plot? Now you need money to buy the land? DBH Housing Plot Loan can be the best option. With DBH Housing Plot Loan you can buy a land from any developer’s land project approved by DBH.

Home Extension Loan
Time travels and the need of your family grows. There rises a need for extension of your house, which provides you with an extra space for your family. DBH Home Extension Loan is designed to meet this requirement. Such an extension could be an additional room on the same floor, an additional toilet, an extra room on the terrace, or even enclosing an open balcony.

Home Extension Loan
Time travels and the need of your family grows. There rises a need for extension of your house, which provides you with an extra space for your family. DBH Home Extension Loan is designed to meet this requirement. Such an extension could be an additional room on the same floor, an additional toilet, an extra room on the terrace, or even enclosing an open balcony.

Home Improvement Loan
Be it interior or exterior of your home, you always want to keep it new and modern, isn’t it? DBH Home Improvement Loan facility helps you undertake internal and external repairs and other structural improvements. Any improvement that will increase the life of your home, contribute toward a healthy living environment and at the same time add to the value of your home could be financed under this scheme.

“Bangladesh Bank Refinance Scheme for Housing Sector”
Recently, Bangladesh Bank introduce a new scheme known as “Bangladesh Bank Refinance Scheme for Housing Sector” to provide refinance facility to the institutions who are giving Home Loans to individuals for buying/constructing apartments in order to meet the housing demand of middle and lower middle income earners in the urban areas and to contribute in the increasing activity of housing sector in the country’s economy. In order to provide home loans under this scheme, Delta Brac Housing Finance Corporation Limited (DBH), the specialist in housing finance, signed a participation agreement with Bangladesh Bank. Among all banks and financial institutions in Bangladesh, only DBH is the first to sign this agreement. DBH is the first Financial Institution among all the Banks and FIs of the country to have successfully disbursed Home Loans and taken refinance from Bangladesh Bank under the Scheme.

Features & Criteria

    Flat/Apartment to be located in six city corporations (Dhaka, Chittagong, Rajshahi, Khulna, Sylhet and Barisal) and areas in the Tongi, Gazipur, Savar and Narayanganj municipality along with the RAJUK approved areas outskirts of Dhaka
  1. The apartment size should not exceed 1250 square feet
  2. The maximum amount of loan can be availed is Tk. 20 Lac
  3. The applicant having a monthly income of less than 50,000 taka will be eligible for receiving home loan under this scheme
  4. The applicant shall not have any apartment or house named after their husband/wife/children in the above mentioned areas, are eligible for receiving this loan
  5. The applicant shall not have availed any home loan/scheme facility from its employer.
  6. The applicant who haven’t taken any home loan from any bank/financial institution previously can be eligible for this home loan scheme.
  7. The maximum tenure of this home loan is 20 years
  8. The rate of interest 9% p.a.