Delta Brac Housing Finance Corporation Ltd.

(DBH) is the pioneer, the largest and the

specialist Housing Finance Institution in the private sector of the country. After commencing
operation in the early 1997, the company has, registered commendable growth in creating home
ownership among more than 7,500 families in Dhaka and other major cities of the country. At the
same time, the company has been playing an active role in promoting the real estate sector to the
large cross sections of prospective clients who had but yet unfulfilled dream of owning a sweet
home.

Among all Banks and Financial Institutions of Bangladesh only DBH has been rated the highest
'AAA' credit rating. The level of credit rating provides a very important indication of the
financial safety, security and strength of the concerned Bank or Financial Institution and is
particularly relevant to its depositors and other investors such as shareholders and lenders.

Formation of DBH

DBH is an international joint venture organization promoted by five institutions: three local
shareholder organizations and two international partners.

Currently, DBH floated its 5,00,000 ordinary shares of Tk. 100.00 each with a premium of Tk.
110.00 to the General public through IPO.

Formation of DBH

DBH is an international joint venture organization promoted by five institutions: three local
shareholder organizations and two international partners.

Currently, DBH floated its 5,00,000 ordinary shares of Tk. 100.00 each with a premium of Tk.
110.00 to the General public through IPO.

The local promoters are:

Delta Life Insurance Company Limited: The leading

life insurance company in the private sector of the country.

BRAC: The largest national NGO of the world, having

deep presence in the country and contributing in the socio-
economic development of the country.

Green Delta Insurance Company: The leading and

pioneer general insurance company in the private sector of
the country.

The international partners consist of the following:

HDFC: A pioneer in the area of private sector housing finance in India and the most successful
housing finance institution in the South Asia bring to DBH technological and business expertise
making the proper recommendations in relation to products, policies, systems and procedures.
IFC: The private sector arm of the World Bank Group. Both local and foreign shareholders come
together with an objective to channel resources into providing finance for the people’ basic need
for shelter, enhance housing stock of the country and promote affordable home ownership.

Home Loan Counselling

Our home loan counsellors offer you the specialist advice. Be it legal documentation, project or
builder approvals, and technical advice, we look forward to sharing with you and this service is
absolutely free.

Our project approval facility provides our customers the comfort of purchasing properties from
builders who have complied with all basic documentation.

Door Step Service

We offer door step service. Please call for our Sales Executive to assist you or get in touch with
the DBH Office near you.

We help you find your dream home

We can provide you with the list of property available at the preferred location of any specific
developer.And the service is absolutely free.

You can buy, sell residential properties through DBH Property Services. We provide legal
documentation services related to property transaction. Please contact our Property Services for
the detail.

Wide Product Range

We provide loans to meet all your requirements for you to make that house a home.

• Apartment Loan, Home Construction Loan, Housing Plot Loan, Home Improvement
Loans, Home Extension Loans, Loans to professionals for chamber purchase, Home
Owner’s Loan (Loan Against Property).
• Loans on Adjustable Rate, Fixed Rate.
• Loan Protection Insurance

Multiple Repayment Option (Flexi Plus Home Loan)

Step Up Repayment Facility

Helps young executives take a much bigger loan today based on an increase in their future
income, this helps executives buy a bigger home today!

Flexible Loan installments Plan

Often customers, parents and their children, wish to purchase properties together. The parent is
nearing retirement and their children have just started working. This option helps such customers
combine the incomes and take a long term home loan where in the installment reduces upon
retirement of the earning parent.

Tranche Based EMI

Customers purchasing an under construction property need to pay interest (on the loan amount
drawn based on level of construction) till the property is ready. To help customer save this
interest, we have introduced a special facility of tranche based EMI. Customers can fix the
installments they wish to pay till the property is ready. The minimum amount payable is the
interest on the loan amount drawn. Anything over and above the interest paid by the customer
goes towards Principal repayment. The customer benefits by starting EMI and hence repays the
loan faster.

Accelerated Repayment Scheme

Accelerated Repayment Scheme offers you a great opportunity to repay the loan faster by
increasing the EMI. Whenever you get an increment, increase in your disposable income or have
lumpsum funds for loan prepayment, you can benefit by:

• Increase in EMI means faster loan repayment

• Saving of interest because of faster loan repayment

You can invest lumpsum funds rather than use it for loan prepayment. The return from the
investments also gives you the comfort of paying the increased EMI.

Network of financing

DBH is able to provide home loans in Dhaka, Chittagong and Sylhet. You can apply at your local
DBH office for properties in locations where we finance.

Post Disbursement Services

Income tax Certificate of the latest income year to enable you to claim the tax benefits can be
supplied to you upon request from you. This service is absolutely free.

Loan Repayment

• Post dated cheques - No charges for replacement of cheques

• Early Loan Repayment at DBH Head Office at Gulshan (9th Floor)

Security
Registered Mortgage of the property financed. Additional/alternate collateral security may be
required on a case to case basis.

Apartment Loan

Everyone dreams for owning a home and having DBH beside you it is no more a dream but the
reality of today. Be it new or old, you decide to buy an apartment in Dhaka or Chittagong or
Sylhet, DBH Apartment Loan will support you in meeting your needs. With DBH Apartment
Loan be a proud owner of an apartment.

Home Construction Loan

You have a land and want to construct your own home just as the way you dreamt of. DBH
Home Construction Loan would be the right choice. With this loan you can think of building the
house for your own dwelling purpose or renting it out for incremental income.

Housing Plot Loan

You have a dream home sketched in your mind, built exactly on a land at your chosen location.
Have you found the housing plot? Now you need money to buy the land? DBH Housing Plot
Loan can be the best option. With DBH Housing Plot Loan you can buy a land from any
developer's land project approved by DBH.

Home Extension Loan

Time travels and the need of your family grows. There rises a need for extension of your house,
which provides you with an extra space for your family. DBH Home Extension Loan is designed
to meet this requirement. Such an extension could be an additional room on the same floor, an
additional toilet, an extra room on the terrace, or even enclosing an open balcony.

Home Improvement Loan

Be it interior or exterior of your home, you always want to keep it new and modern, isn't it?
DBH Home Improvement Loan facility helps you undertake internal and external repairs and
other structural improvements. Any improvement that will increase the life of your home,
contribute toward a healthy living environment and at the same time add to the value of your
home could be financed under this scheme.

What is the maximum amount of loan I can borrow?

DBH provides Housing Loan upto maximum 70% of the Total Purchase Price (including
Registration Cost) of the Apartment, and upto 80% of the Construction / Extension Cost of a
House.
How will DBH decide the loan amount I am eligible for?

Subject to the maximum loan limit as mentioned above, your Repayment Capacity as assessed
by DBH will determine the Loan Amount you can borrow. Repayment Capacity is determined by
the factors such as your income, age, qualifications, number of dependants, spouse's income,
assets, liabilities, stability and continuity of occupation, and savings history. While providing
Housing Loan, DBH wants to ensure that you can comfortably and regularly repay the Loan
Amount you borrow.

When can I make an Application for Housing Loan?

You can apply for Home Loan at any time after you have decided to buy/construct/extend a
House/Flat/Housing Plot, even if the property has not been selected or the construction has not
been started.

How do I make an application?

Please complete the prescribed Application Form and submit it along with supporting
documents. On receipt of the completed Application Form along with the processing fees, DBH
will process your application, make such enquiries as it deems necessary and convey its decision
to you at the earliest.

What is the Fees payable and when are these payable?

Please contact any of the DBH Offices for the Processing Fees and Loan Fees currently
applicable to avail DBH Home Loan.

Please note that, payment of all fees must be made through "A/C Payee" Cheques in favour of
"Delta Brac Housing Finance Corporation Ltd."

Loan related fees are subject to 15% VAT.

What are the supporting documents to be submitted along with an Application?

INCOME DOCUMENTS:

1. If you are Employed”

o Employment Certificate
o Latest Salary Slip/Salary Certificate showing all documents.
o Bio-Data/C.V.
o Bank statements for last 12 months.
2. If you are Self-Employed:
o Trade License of the business
o Copies of individual income-tax returns and assessment orders for the last three years along with the
statement of income.
o Profit and Loss Account and Balance Sheet of your business for last three years.
o A note giving information on the nature of your business/profession, form of organization, clients,
suppliers etc.
o Bank statements for last 12 months.
3. Other Documents:
o Copies of Ownership Document & Rental Agreement, if you have rental income
o Copies of Savings Instrument (if any)
o Similar proof of other income.

Who can be co-applicants?

Joint owners of the properly proposed to be mortgaged against loan from DBH will have to be
co-applicants. However, your spouse need to be the co-applicant to the loan, even if he/she is not
the co-owner of the property.

How do I repay the loan?

You will repay DBH Home Loan on a regular monthly basis, through Equated Monthly
Instalments (EMI). EMI comprises of both Interest and Principal amount of the loan, and you
will commence the payment of EMI from the month following the month in which you will draw
down the entire amount of loan.

If you decide to draw down the loan in instalments, then you will pay interest on the partly
drawn loan amount, until the entire loan amount is drawn. This interest is called Pre-EMI (P-
EMI) interest. Pre-EMI interest is payable every month from the date of each disbursement (i.e.
cheque delivery date) up to the date of commencement of EMI. Pre-EMI interest is calculated at
the same rate at which EMI is calculated.

What is the Rate of Interest that will be charged on my loan and what is the size of the EMI?
Please Contact any of the DBH Offices for the Interest Rates currently applicable for DBH Home
Loan. Interest on DBH Home Loan is calculated using Reducing Balance Method on the
diminishing balance of Principal Loan Amount.

Is the Rate of Interest fixed for the entire duration of the loan?

We offer both Adjustable and Fixed Rate Home Loan Schemes. Under Adjustable Rate Home
Loan (ARHL) Scheme, depending on the changes in money market conditions, DBH reserves
the right to vary the rate of interest prospectively from time to time. In case of Fixed Rate Home
Loan (FRHL) Scheme, the rate of interest remains same throughout the loan tenure.

When can I draw down the loan?

You can draw down the loan after satisfactory work-in-progress, completion of all legal
documentation and after full investment of your own contribution. Your own contribution is the
total cost/price less DBH Home Loan.

In what form can i make payment to DBH?

All kinds of payments for fees, charges, pre-EMI interest, and EMIs should be made by Cheque,
marked "A/C Payee Only" drawn on a bank in Dhaka/Chittagong city, by Pay Order, or by
Demand Draft drawn in favour of "Delta Brac Housing Finance Corporation Ltd."

Do I get Tax Benefit on the loan?

Yes. According to the Income Tax Ordinance 1984, Section (25) Sub-section (1), the interest
payable, on Home Loans with principal amount of up to BDT 2,000,000/- (Taka Twenty Lakhs
only), would be deducted from the total taxable income. As a result, the income tax liability
would be substantially reduced.

For a person taking loan at gross ROI 15.00% p.a. and presently paying income tax @ 25%, the
effective net ROI is 11.25% pa (15.00x75%) ie. 3.75% pa savings due to reduced tax payments
by the borrower.
Does the property have to be insured?

Please ensure that the property is duly and properly insured for fire and other appropriate
hazards, as required by DBH, during the term of the loan and to produce evidence thereof to
DBH, each year and/or whenever called upon to do so. DBH should be the beneficiary of the
insurance policy.

Will DBH assist me in selecting my dream home?

Yes. DBH can assist you in selecting your property in Dhaka and Chittagong cities through
Property Counseling Services, which is now provided free of cost.

Will DBH finance Non-Resident Bangladeshi (NRB) holding foreign passports ?

Yes. But subject to restrictions of the Government of Bangladesh (if any).

DBH Property Spotlight Programme Launched

Delta Brac Housing Finance Corporation Ltd. known as DBH has launched a program titled
‘DBH Property Spotlight’ today (June 21, 2009) to highlight large housing projects aimed at
increasing home ownership levels of the middle and lower middle income population of the
country. DBH will provide home loans on easy terms for the purchasers of flats in these housing
projects.

DBH, the specialist in housing finance has already signed an agreement with Rupayan Housing
Estate Ltd for providing home loans with interest rate starting from 9 percent for the purchasers
of flats in Rupayan Town project at Bhuighar, 8 km away from Dhaka. DBH is expected to sign
agreement with a number of developer companies who are building satellite town in the suburbs
of Dhaka city. Home loan with 9 percent interest will be provided to clients subject to fulfillment
of the criteria set by Bangladesh Bank under its refinance scheme.
During DBH Property Spotlight programme, a special team will be engaged to provide home
loan service to the prospective clients of that project. The flat purchasers will also enjoy special
discount on loan processing fees with quick loan approval facility.

Head of Home Loans of DBH Nasimul Baten said that some developers are coming up with
satellite town projects in the outskirts Dhaka to meet the housing demand of the middle class
people. Taking into cognizance the huge demand to purchase flats in the satellite town, DBH has
come up with loan facilities on easy terms for the purchasers of flat. DBH Spotlight program will
benefit particularly the middle class people who are interested to buy flats with the support of
home loans, he added.