Sonali Bank Personal Loan
From the beginning of the new year, you can take a personal loan up to a maximum of Tk 20 lakh from Sonali Bank for any of your needs. And you can take this loan for a maximum of 8 years. Where all other banks in Bangladesh are giving personal loans for a maximum period of five years. There you can take a personal loan from Sonali Bank of up to 20 lakh taka for a period of eight years. If you apply for this personal loan from Sonali Bank, it will take you three to four working days to receive the loan amount. But to take personal loan from Sonali Bank you have to follow some new rules. Which is slightly different from all other banks in Bangladesh. You will know everything in detail in today’s article. So read the entire text carefully. But you can easily take personal loan from Sonali Bank.
Sonali Bank personal loan circular
You can take personal loan for any of your personal needs. Maybe you will buy some furniture for your house, buy a laptop or for any personal needs you can use this personal loan amount.
Who can apply for Sonali Bank Personal Loan
First of all salaried persons or salaried persons can apply for Sonali Bank Personal Loan. A salaried person may be you are working in a government job or you may be a teacher in an autonomous organization or an MPO affiliated organization or a school or you may be working in a private company. There your salary is deposited in your bank account or deposited in Sonali Bank account. If you fall under this category then you can apply for personal loan from Sonali Bank. The second is that those who are in the professional category are doctors, engineers or architects or complete CA. That means if you are doing something professionally, you can apply for a personal loan from Sonali Bank. The third is the business class. If you have a business establishment and it matches the loan requirement of Sonali Bank. Then you can take personal loan from Sonali Bank as a businessman.
If you apply for a personal loan in Sonali Bank then you will get the minimum amount and maximum amount of loan. Second is the interest rate of this loan. Third is the minimum and maximum loan tenure you will get.
If you apply for a personal loan from Sonali Bank, then you can apply for a minimum of one lakh taka and take a personal loan up to a maximum of two lakh taka. You can take this loan for a tenure of one to eight years. But here is a condition that your tenure must be eight years. Then you can take personal loan for maximum 8 years. Suppose you are doing a job now which will be your retirement after 5 years. In that case you can take this personal loan for a maximum period of five years. Sonali Bank Personal Loan interest rate is 9 percent and your loan processing fee will be .50 percent. It will be charged as per Bangladesh Bank guidelines.
Sonali Bank personal loan requirements
To take a personal loan from Sonali Bank, your first qualification is that you must be at least 18 years of age. That means you must have National ID card. Secondly, your nationality must be a citizen of Bangladesh. Third is how much your monthly income should be to take a personal loan from Sonali Bank. It will depend on the company though. However, I will tell you in detail the maximum amount of money you can take as a loan if you have a salary of Tk. Be sure to read the article till the end.
Sonali Bank personal loan interest rate calculator
The maximum amount you can borrow from Sonali Bank will depend on your net salary. That is, the amount of net salary you will get every month, the monthly installment or EMI of the personal loan you will take from Sonali Bank will not exceed your net salary. That is, suppose where you are working, your salary is Tk 20,000 and you deduct everything every month or you are getting Tk 16,000 in your account, then the monthly installment of the loan you will take from Sonali Bank cannot be more than Tk 16,000. It has a calculation which is given by Sonali Bank, I am showing you that calculation. Then you can understand more details well. Calculations must be read carefully. Then you will understand that if you have a salary of Tk. 100,000, you can take a personal loan from Sonali Bank.
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| Sonali bank loan chart |
On the left side above is shown the loan limit i.e. the maximum amount of money you can get a loan and on the right side the year is mentioned from one to eight years we are showing you an example. Suppose you are going to take Sonali Bank personal loan for 1 lakh taka for one year then your net salary should be 8745 taka. That is if you take Sonali Bank personal loan of Tk 1 lakh then you have to pay EMI every month Tk 8745 if this is your net salary then you can apply Tk 1 lakh for one year. This time it comes for two years. If you want to take for two years then your net salary must be 4568 taka then you can take one lakh taka for two years. In this way, calculations are given for three years, four years, five years, six years, seven years, eight years and when the loan amount increases slowly, your net salary will increase gradually. If you want to take Tk 2 lakh for a maximum of 8 years then your salary should be Tk 2,930. If you took Tk 3 lakh for 8 years then your net salary will be Tk 4395. If you want to take Tk 4 lakh, your net salary for 8 years will be Tk 5860. If you want to take 5 lakh taka then your net salary should be 7325 taka. This is if you take 5 lakh taka for one year but your net salary is increasing. Then you will need 43 thousand 725 taka. Thus if you have taken 6 lakh, 7/8 lakh, 9 lakh thus if you have not taken 10 lakh taka for the year then your net salary will be 14650 taka. If you want, you can put the whole page with a screenshot, then you can make a calculation of your own by matching your salary to the maximum amount you can earn.
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| Sonali Bank personal loan interest rate |
If you want to take a personal loan of more than 10 lakh taka then 11 lakh taka if you take it for eight years. Then your net salary should be 16 thousand 115 taka. If you want to take Tk 11 lakh for five years. Then your net salary should be 22836 taka. The calculation you want to take 12 lakh taka is given here. If you want to take 13 lakhs, you can check the calculation from here. If you take Tk 14 lakh for 8 years then your net salary will be Tk 20,510. If you take Tk 15 lakh for five years then your net salary will be Tk 31,140. If you take Tk 16 lakh for three years. Then your salary should be 50,880 taka. Thus calculations up to 20 lakh taka are given. If you want this page as well, you can leave the screenshot. Then you will calculate yourself how much your salary is and how much money you want to take personal loan from Sonali Bank for how many years. Then it will be easier for you to understand more about yourself. By looking at this calculation, you must now understand that you can take the maximum amount of personal loan from Sonali Bank. According to your income. In that case, your net salary should be equal to your EMI. You should keep this in mind.
What documents are required to take a personal loan from Sonali Bank
I am telling some common documents for everyone. Here you have to fill the loan application form properly. Second is who will apply for this loan. He will need two copies of passport size photographs. A copy of his National ID card will be required and his salary certificate or pay slip will be required. Still an active mobile number is required and the Chairman’s certificate or your Mayor’s certificate is required. This is for your address verification. Apart from this, some other documents related to the profession you are in or the job you are doing may be required. This will be given to you in more detail by the bank when you apply for the loan.
Additional documents should be provide
You will need a guarantor from Sonali Bank for the personal loan you want to take. 2 copies of the guarantor’s photograph and NID card copy of the guarantor, salary certificate or pay slip and an active mobile number of the guarantor are required. Apart from this, if the bank thinks that the guarantor should provide some additional documents. Then you must submit those documents along with your application. So if you want to take a personal loan from Sonali Bank, then there is a branch of Sonali Bank near you, you can go to that branch and apply for a personal loan of up to 20 lakhs from Sonali Bank.