Retail Finance

Flat / Apartment Renovation Loan

Transform your existing home into your dream space. From modular kitchens and modern bathrooms to complete interior makeovers — finance every corner of your renovation with flexible EMIs and quick approval.

50 Lac

Max Loan

10 Yrs

Tenure

9.49%

From Rate

What You Can Finance

Complete or partial renovation — we fund it all

Full Interior

Complete flat makeover — flooring, ceiling, wall finish, painting and furnishing.

Modular Kitchen

Cabinets, countertops, chimney, hob, and appliance installation financed together.

Bathroom Upgrade

Fittings, tiles, sanitary ware, geysers and modern fixtures for a spa-like feel.

Electrical & Lighting

Rewiring, smart switches, LED lighting, false ceiling and home automation setup.

Painting & Finish

Interior/exterior painting, texture work, wall panels and decorative finishes.

Furniture & Decor

Custom wardrobes, TV units, sofas, curtains and complete home styling included.

Why Choose Our Renovation Loan

No collateral needed up to 10 Lac — pure income-based approval.
72-hour approval for pre-approved home loan customers.
Flexible tenure from 12 months to 10 years.
Stage-wise disbursement matched to contractor payment milestones.
Free interior consultation with empaneled designers.
Zero prepayment penalty on floating rate loans.

Loan Tiers & Pricing

Tier	Loan Amount	Interest Rate	Processing Fee	Tenure
Quick Refresh	Up to 5 Lac	9.49%	0.75%	Up to 5 Yrs
Standard	5 – 15 Lac	9.75%	1.00%	Up to 7 Yrs
Premium	15 – 30 Lac	10.25%	1.00%	Up to 10 Yrs
Luxury Makeover	30 – 50 Lac	10.75%	1.25%	Up to 10 Yrs

Eligibility & Documents

Applicant Criteria

Age 21 – 65 years
Salaried or self-employed with 2+ years income
Own the flat being renovated (or joint owner)
Minimum monthly income Tk. 30,000
Clean credit history (CIB clear)

Documents Required

NID / Passport copy
Flat ownership deed / allotment letter
Last 6 months bank statement
Salary certificate or trade license
Renovation quotation from contractor
Photographs of current condition

5-Step Application Journey

1

Enquiry

Call or visit branch

2

Quotation

Contractor estimate

3

Documents

Submit paperwork

4

Site Visit

Flat inspection

5

Disbursal

Funds released

Sample EMI Chart

Indicative EMIs at 9.75% p.a.

Loan Amount	3 Yrs	5 Yrs	7 Yrs	10 Yrs
5 Lac	16,088	10,569	8,203	6,545
10 Lac	32,176	21,138	16,406	13,090
20 Lac	64,352	42,276	32,812	26,180
30 Lac	96,528	63,414	49,218	39,270

Design & Contractor Partners

Get access to our panel of 200+ verified interior designers, contractors, and material suppliers — with pre-negotiated rates and quality assurance.

Free design consultation worth Tk. 15,000
3D visualization before work starts
Fixed-price contracts with quality guarantee
Direct payment to vendors — no cash handling
1-year workmanship warranty

Stage-wise Fund Release

Payments aligned with your renovation progress

30%

Stage 1

Advance to contractor + material booking

30%

Stage 2

After civil / plumbing / electrical work

30%

Stage 3

After finishing, painting and fittings

10%

Stage 4

Final handover & completion certificate

Flexible Repayment

Fixed EMI

Same monthly instalment throughout the tenure. Predictable budgeting, no rate surprises.

Floating Rate

Linked to base rate. Benefit when market rates drop. Free prepayment anytime.

Step-Up EMI

Lower EMI in early years, gradually increasing. Perfect for growing income.

Customer Story

From Old to Extraordinary

"Our 15-year-old flat in Dhanmondi looked tired and outdated. With a 22 Lac renovation loan, we did a complete makeover — modular kitchen, new bathrooms, false ceiling, and full interior. The stage-wise disbursement kept our contractor honest, and the whole project finished in 4 months."

— Rashed & Nusrat Ahmed, Dhanmondi

22 Lac

Loan Amount

4 Mo

Completion

7 Yrs