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ONE Bank Doctor's Loan is devised for Registered Doctors & Medical Practitioners, eye Specialists, Heart Specialists, Child Specialists, Surgeons and Dentists to support their small scale purchase of different medical equipment, tools, small machineries, furniture etc. for their medical chambers, clinics and/or hospitals. A maximum of Tk.50 lacs can be availed at a time and in a cumulated amount by an individual doctor either in a single account or in a joint account.
| | Retail Loan | SME Loan | | Requirement | No Trade License | Trade License | | Loan Amount | Max: Tk.50,00,000 at a time or in a cumulated amount. However, availability of loan amount is dependent on the type of security to be facilitated by the loan applicant. | | Security Description | Loan Amount | | Unsecured (Additional supporting PG) | Up to Tk.3,00,000 | | PG, Hypothecation of Goods / Items to be Purchased | Up to Tk.10,00,000 | | PG, Hypothecation of Goods / Items to be Purchased, FDR and/or any other cash collateral other than PDC and UDC | Up to Tk.50,00,000
| | Interest Rate | 18% | | Loan Tenure | 12 – 60 months | | Processing Fee | 1% of approved loan amount or Tk.1,000 whichever is higher | | Penalty Interest | 3% on past due amount or Tk.250 whichever is higher | | Early Settlement | Flat 1% of outstanding loan amount or Tk.500 whichever is higher | | Partial Settlement | 1% of outstanding amount to be added to the partial pre payment amount or Tk.500 whichever is higher. At least 25% of outstanding amount to be partially adjusted. | | Additional Loan | Additional loan can be availed. However, total loan exposure not to exceed Tk.50,00,000 cumulative. | | Personal Guarantor | 1 PG of spouse. If spouse not available then PG of another Doctor + 1 PG of a renowned Doctor or colleague who is a Doctor | | |
