All loans check list

 All loans check list

All loans check list are given below:

01. Bank’s prescribed Loan Application duly filled in.

02. Client’s application in their letterhead.

03. Certificate of Commencement of Business (in case of Public Ltd. Co.).

04. Certificate of incorporation (in case of Private Ltd. Co.).

05. Certified copy of Memorandum & Articles of Association (in case of Public & Private Ltd. Co.).

06. Certified copy of Form xii of Joint Stock Company.

07. Up to date Trade License.

08. Board Resolution of the Company to create loan.

09. Annexure- “ka” Form of Bangladesh Bank with duly signed & seal for collecting CIB report of each director.

10. Up to date Income Tax clearance Certificate.

11. Net worth of the Directors including Chairman & Managing Director.

12. Name & address, father’s, mothers & husband name of the Directors & their number & percentage of Shares.

13. Describe in brief about the company & its sister concerns (name, address, nature, last year’s performance i.e., turnover, profit etc.

14. Last year’s group performance and financials.

15. Global liabilities of the Company & its sister concerns.

16. Last 3 (Three) years audited Balance sheets of the Borrower Company (in case of old Co.).

17. Projected Cash flow statement.

18. Bio data mentioning detail experience of the Directors & other key personnel with two copy Passport size photographs.

19. Organization Chart.

20. Project profile (total area with detail plan, estimated project cost certified by 1st class civil engineer, marketability).

21. Project implementation schedule and payment schedule with source.

22. Working capital requirement.

23. Expected earning forecast and production capacity

24. Security papers:

a) Original Deed of proposed land.

b) Bia Deed of proposed land.

c) C. S., S.A , R.S and Math Parcha of proposed land.

d) Mutation Parcha with D.C.R of proposed land.

e) Upto date ground rent receipt of proposed.

f) Photograph of the proposed land.

g) Up to date non- encumbrance Certificate of proposed land.

h) Mouza map & Site plan.

i) Original plan of Building approved by RAJUK.

LOANS AGAINST MTDR.

01. Client’s application in their letterhead.

02. Original MTDR receipt duly discharged by authorized signatory.

03. Charge documents (enclosed) duly signed by authorized signatory.

04. Board Resolution as per attached format for availing Investment facility against pledge of MTDR.

FOR LOANS AGAINST HOUSE BUILDING

01. Prescribed application from of the Bank duly filled in & signed along-with client’s own hand written application intending to enjoy the scheme.

02 (Two) attested photographs.

03. Approved plan from competent authority for the building to be constructed

05. Attested copies of original titled of the land on which the building to be constructed.

06. Mutation Parcha, CS, SA, & RS Parcha of the land.

07. Up-to-date Rent Receipt

08. DCR

09. Non-Encumbrance Certificate

10. Legal Opinion from the Bank’s Panel Lawyer

11. Bia-Deed

12. Deed of contract with seller in case of purchase of ready-made house/apartment.

13. Inspection report of the concerned branch mentioning the site, location, value, present market value, forced sale value of the property etc.

14. Whether enjoying any other investment facility with our Bank, if so to what extent, in what mode and from which branch to be stated clearly in the inspection report including detail particulars of the security there against & Present performance of the existing investment.

15. Other Sources of income with proper & acceptable evidence as proof

16. Project Profile

17. Trade License, in case of proprietorship concern

18. Memorandum & Article of Association, In case of Limited Company

19. Partnership deed, in case of partnership firm

20. Where the Client is a service Holder, Certificate from the employer stating the Present Rank, Date of Joining, Date of Retirement from the Service, Total Salary and net taking Salary of the applicant etc.

21. Any other papers/ documents if deemed necessary.

22. An undertaking must be obtained from the client stating that he/she will purchase the construction materials as per estimate submitted with the proposal.