Bangladesh 💰 BDT Last updated2026-05-28

Home loan Calculator Bangladesh

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Quick answer (Bangladesh)

A BDT 5,000,000 home loan at 10.5% over a 20-year term works out to a monthly payment of about ৪৯,৯১৯৳, with total interest of ৬৯,৮০,৫৫৯৳ over the full term.

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Mortgage Calculator

BDT

Home Value

৳

LTV 80% · No PMI ✓

Loan Amount

৳

Interest Rate

Term

Total Monthly

৫৮,২৫২৳

PITI

Principal + Interest

৪৯,৯১৯৳

58% goes to interest

Total Interest

৬৯,৮০,৫৫৯৳

over 20 years

Monthly Breakdown

Principal & Interest৪৯,৯১৯৳

Property Tax (1.1%/yr)৫,৭২৯৳

Homeowner's Insurance (0.5%/yr)২,৬০৪৳

Total Monthly৫৮,২৫২৳

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Home loans in Bangladesh

Typical loan

৫০,০০,০০০৳

in Bangladesh

Typical rate

10.5% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

Bangladesh home finance is led by HBFC (state-owned House Building Finance Corporation), Eastern Bank Limited (EBL), Brac Bank, City Bank, IPDC Finance, and Delta Brac Housing. Total mortgage book around BDT 800 billion. Bangladesh Bank caps lending margins (the famous 9-6 cap was lifted in 2024 to a market-determined rate after balance-of-payments stress), and rates are now tied to SMART (Six-Month Moving Average Rate of Treasury bills).

Why 10.5% is the typical rate

10.5% reflects a typical SMART + 3-3.5% spread for a salaried borrower at 70% LTV in early 2026, after BB lifted the rate cap. Rates were artificially capped at 9% through 2023, then jumped to 12-14% in 2024 before easing as BB tightening worked through.

Tax & regulatory notes

Mortgage interest is deductible against rental income for landlords but no general home loan interest deduction for owner-occupiers. Stamp duty for property transfer is 5% (with 1% women discount in Dhaka and Chittagong) plus 1% registration. VAT of 2% applies to flats sold by developers. RAJUK (Rajdhani Unnayan Kartripakkha) approvals are required for Dhaka properties — bank lending only proceeds against RAJUK-cleared properties.

🧮 Worked example

A BDT 5,000,000 home loan at 10.5% over a 20-year term

Loan amount

৫০,০০,০০০৳

Annual interest rate

10.5%

Term

20 years (240 months)

Monthly payment

৪৯,৯১৯৳

Total interest paid

৬৯,৮০,৫৫৯৳

Total paid (principal + interest)

১,১৯,৮০,৫৫৯৳

❓ FAQ (Bangladesh)

Common questions in Bangladesh.

Best banks for home loans in Bangladesh?

For salaried customers: Eastern Bank Limited (EBL) and Brac Bank are price leaders among private banks with rates around 10.5-11%. City Bank and IPDC Finance are aggressive in Dhaka and Chattogram. HBFC (state-owned) offers cheaper rates for affordable housing but with slower processing. Delta Brac Housing specializes in housing finance (non-bank NBFC) with competitive long-tenor products.

SMART rate — how does it affect my home loan?

SMART (Six-Month Moving Average Rate of Treasury Bills) is Bangladesh Bank's reference rate introduced after the 9-6 cap was lifted in 2024. Your home loan rate = SMART + bank spread (typically 3-3.5%). As BB tightens (SMART rises), your rate rises within 6 months at most banks. As BB loosens, rate falls. This is similar to India's repo-linked loan structure but uses T-bill yield instead of central bank policy rate.

Can NRBs (Non-Resident Bangladeshis) get home loans in Bangladesh?

Yes — most major banks offer NRB home loans. EBL, Brac Bank, City Bank, and HSBC Bangladesh have specific NRB products with overseas income verification through embassy-attested salary certificates. LTV is typically 60-70% (vs 80% for residents) and rate is 50-100 bps above standard. Bangladesh Bank requires the property to be in the NRB's name and used for residence or to be transferred to family.

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