• Home Loan

    Everyone dreams of owning a home. But buying your first home can be an intimidating and complicated experience. But it doesn’t have to be. Let us guide you and make the process simple and swift. At CVCFL we take you a step closer to your dream. Whether you are purchasing your first home, refinancing of existing properties, our competitive rates and convenient features and easy to pay procedures, CVCFL is your stop for all solutions.

    We offer a host of Home Loan options that can be tailor made to suit individual needs.

    Purpose

    • To buy a new or used apartment or ready home & commercial space
    • To construct new residential buildings
    • To construct semi-pacca house at outside metropolitan areas
    • To renovate existing apartment & home & commercial space
    • To construct apartment or home
    • Existing loan pay off/ loan takeover

    Features

    • Maximum celling for residential purpose is 70% and commercial purpose is 50%
    • Minimum 80% of the total estimated cost of construction of home
    • Loan term up to 20 years including maximum 12 months moratorium period
    • EMI calculation on Monthly Reducing Balance Method
    • Partial Prepayment or Early Settlement options at any time on outstanding principal amount.
    • Approval of home loan before purchase of apartment for high net worth customer
    • Loan disbursement during the construction stage
    • Disburse against tripartite agreement or registered mortgage
    • Top up facility
    • Loan takeover facility
    • Semi Fixed and Variable interest rate – anyone can choose
    • Loan facilities for Non-Resident Bangladeshis

    ELIGIBILITY

    • Age limit: minimum 21 years, maximum 65 years (at loan maturity)
    • Earning on a regular basis from a sustainable source of employment or business
    • Minimum monthly rental income of BDT 50,000/- for land lord
    • Resident of Dhaka, Chittagong or adjacent area

    Required Documents

    For Salaried Individual

    For Businessman

    1. Latest salary certificate/Letter of Introduction issued by appropriate authority
    2. Last 3 months’ pay slip (if salary in cash mode)
    3. Bank statement where salary is reflected (if account payee salary)
    4. NID (with borrower signature)
    5. TIN certificate
    6. Rental slip/deed (For Land Lord)

     

    1. Valid Trade License (Minimum 3 years from issue date)
    2. Notarized partnership deed (if partnership concern)
    3. RJSC certified MOA, COI, Form-XII & Schedule X (if limited company)
    4. Company Bank Statement for last one year
    5.  Notarized partnership deed (if partnership concern)
    6. RJSC certified MOA, COI, Form-XII & Schedule X (if limited company)
    7. Company Bank Statement for last one year

    Legal Documents

    For Apartment Purchase

    For Construction

    1. Ownership deed
    2. Baya deed for 21 years (original / certified)
    3. Development agreement between developer and landowner & agreement between developer and the applicant.
    4. C.S, S.A & R.S Parcha
    5. Power of attorney (if any)
    6. Recent survey report (recent mat parcha duly attested)
    7. Mutation Parcha.
    8. Up to date “non encumbrance certificate”.
    9. Project Brochure including price details.
    10. Developer’s profile.
    11. Memorandum and Articles of Association of the developer.
    12. Approved plan and approved letter by
    Rajuk/concerned authority.
    13. Latest land tax receipt.
    14. Title report on the land by the developer’s lawyer.
    15. Work in progress report of the project.

    1. Ownership / Lease deed
    2. Baya deed for 21 years (original / certified)
    3. Recent Survey report (recent mat parcha duly attested)
    4. C.S, S.A & R.S Parcha
    5. Mutation parcha
    6. Up to date “non encumbrance certificate” .
    7. Detailed estimate of the construction cost by a B.sc engineer/architect.
    8. Approved plan and approval letter by Rajuk/concerned authority.
    9. Latest land tax receipt.


  • Auto Loan

    Owning a car is no longer a luxury; rather, it has become a basic necessity. In this time of rush hour traffic and round-the-clock routine, having your own car ensures personal control as well as mobility. In one word, it improves your quality of life.

    Features

      • Term: Maximum 5 years
      • Repayment: Equal Monthly Installments (EMI)
      • Competitive interest rates and processing fees
      • For approval
      • No hidden charge
      • Loan facility up to 90% of  price of the car (Individual)
      • Loan facility up to 100% of  price of the car (Corporate)
      • No early settlement fees
      • Loan facility for brand new car, Recondition or Second hand car 
      • Joint applicant allowed 

    ELIGIBILITY

    Any Bangladeshi individual who has the means and capacity to repay bank loan. In Specific terms, these could be salaried executives of multinational and middle to large Size local corporate, Government officials, Officials working in reputed NGOs (Non Government Organizations), international aid agencies & UN bodies, any tax paying Businessmen of repute, any employed / self-employed tax-paying individual, businessman, landlord having areliable source of income.

    • Nationality   : Bangladeshi
    • Age: 21- 54  Years
    • Income: Minimum justified income Tk. 30,000/- only

    Required Documents

    • Completed Application Form
    • Valid Photo ID : National ID/Passport/ Driving License of Applicant(s)
    • Valid Photo ID of Guarantor(s)
    • Recent Photographs of Applicant(s) (Self-Attested)
    • Recent Photograph of Guarantor(s) (Attested by Applicant and Guarantor)
    • e-TIN Certificate along with IT-10B
    • Copy of Utility Bill- Electricity/Gas/WASA (If applicable)
    • Bank Statement of last 12 months
    • Salary Certificate/Pay Slip
    • Price Quotation of Car
    • Loan requirement letter in favor of Managing Director, CVCFL
  • Personal Loan

    To meet unexpected financial exigencies or come out high price credit card funds, you can avail CVCFL personal loan. Be it a marriage in family, Renovation your home, Meeting urgent educational / hospitalization extensions or travel at abroad, a personal loan for CVCFL is your answer to instant finance without wait.

    Purpose

      • Purchase of consumer durables
      • Meeting financial liabilities
      • Marriage
      • Education
      • Domestic or foreign travel
      • Medical treatment for self/family members
      • Adjustment high rated credit card
      • Any other needs

    Features

      • Highest loan ceiling in the market ,BDT 20 Lac
      • Highest Loan tenure up to 60 months
      • Top Up Loan facility
      • Partial Disbursement Option
      • Partial prepayment option
      • No hidden charge
      • Quick approval papers
      • Early settlement option
      • Competitive Interest rate

    ELIGIBILITY

    Any Bangladeshi individual who has the means and capacity to repay bank loan. In Specific terms, these could be salaried executives of multinational and middle to large Size local corporate, Government officials, Officials working in reputed NGOs (Non Government Organizations), international aid agencies & UN bodies, any tax paying Businessmen of repute, any employed / self-employed tax-paying individual having are liable source of income.

    • Nationality   : Bangladeshi
    • Age: 21- 54  Years
    • Income: Minimum justified income Tk. 30,000/- only

     

    Required Documents

    1. Completed Application Form
    2. Valid Photo ID : National ID/Passport/ Driving License of Applicant(s)
    3. Valid Photo ID of Guarantor(s)
    4. Recent Photographs of Applicant(s) (Self-Attested)
    5. Recent Photograph of Guarantor(s) (Attested by Applicant and Guarantor)
    6. e-TIN Certificate along with IT-10B
    7. Copy of Utility Bill- Electricity/Gas/WASA (If applicable)
    8. Bank Statement of last 12 months
    9. Business related all documents
  • Fees, Charges & Rates

    CAPM Venture Capital and Finance Limited
    Head Office, Dhaka 
    Consumer Division : Fees and Charges 
    Sl Title Home Loan Auto Loan Personal Loan
    1 Fee for application form Free Free Free
    2 Documentation fee Tk. 5000+VAT Tk. 5,000 +VAT Tk. 5,000 + VAT
    3 Processing fee Upto 0.50%  + VAT Upto 0.50%+VAT Upto 1%  + VAT
    4 Change in agreement due to customer request Stamp Charge- At Actual Stamp Charge- At Actual N/A
    5 Prepayment Charges Up to 2%+VAT Up to 2%+VAT Up to 2%+VAT
    6 Foreclosure Fee Up to 2%+VAT Up to 2%+VAT Up to 2%+VAT
    7 Reimbursement of cheque management charge At actual At actual At actual
    8 Duplicate tax certificate Tk.500 + VAT Tk.500 + VAT Tk.500 + VAT
    9 Photocopy of land documents Tk.1000 + VAT Tk.1000 + VAT Tk.1000 + VAT
    10 CIB inquiry charge(inclusive VAT) Tk.300 Tk.300 Tk.300
    11 Issuance of lien confirmation letter Free Free Free
    12 Tax Certificate (First Time issuance) N/A N/A N/A
    13 Duplicate tax certificate (current year) Tk.500+VAT Tk.500+VAT Tk.500+VAT
    14 Duplicate tax certificate (any pervious year) Tk.500+VAT Tk.500+VAT Tk.500+VAT
    15 Account Statement (First Time) N/A N/A N/A
    16 Account Statement (2nd Time onward) <= 1 year N/A N/A N/A
    17 Account Statement (2nd Time onward) > 1 year N/A N/A N/A
    18 Duplicate Balance Confirmation Certificate N/A N/A N/A
    19 Valuation Fee At Actual At Actual At Actual
    20 Legal Fee At Actual At Actual At Actual
    21 Cheque Clearing Fee At Actual At Actual At Actual
    22 Redemption of Mortgage At Actual At Actual At Actual
    23 Delivering of service against facility closed before Five Years of more N/A N/A N/A
    24 Title deed Tk.1000 N/A N/A
    25 Mortgage Deed Tk.500 N/A N/A
    26 Returning of Documents if Loan is not availed Free Free Free
  • Contact

    Md. Mahamadunnabi
    Manager