Home Loan Calculator
Work out your monthly home-loan payment and the total upfront cost of buying a flat in Bangladesh — down payment, stamp duty, registration and local government tax — in taka. Free, no sign-up.
Purchase Details
Banks and housing finance companies usually lend 70–80% of the value, so plan for a 20–30% down payment plus the registration costs in cash. BHBFC may lend a higher share at a lower rate.
Home-loan rates in Bangladesh are usually variable and have often been in the low-to-mid teens. A BHBFC loan is typically a few points lower. Enter the rate you expect to pay on average.
On the deed value the buyer pays a registration fee (around 1%) and stamp duty (around 1.5%), plus a small fixed amount — about 2.5–3% together.
Local government tax (2–3%, higher inside a city corporation), the area-based source/gain tax, the lawyer's fee and the bank's processing and mortgage-deed charges — often 5–9% together. On a new developer flat, add VAT.
Your Mortgage
Monthly Payment
Tk 49,549
Tk 45,00,000 loan · 12% · 20 years
💬 In Plain Words
To buy a home priced at Tk 60,00,000 with a 25% deposit, you borrow Tk 45,00,000 and pay about Tk 49,549 a month for 20 years. Over the full term you pay Tk 73,91,730 in interest. On the day you buy, you need Tk 20,40,000 in cash — the down payment plus registration, stamp duty and the other transfer costs.
Cash Needed at Purchase
Estimate for educational purposes. Not included: the exact area-based source/gain tax and local government tax, VAT on a new developer flat, and the property and life insurance the lender requires. Assumes one level-payment loan at a constant rate — most Bangladeshi home loans have a variable rate. Have the figures confirmed by your lawyer and lender before you commit.
How the Mortgage Payment Is Worked Out
👋 Simple Explanation
A mortgage is a loan secured on the property. You put down a deposit, borrow the rest, and repay it with interest over 20 to 30 years. Early on, most of each payment is interest; later, most is principal. Paying a little extra each month, or making a lump sum when you can, cuts the total interest sharply because it shortens the term.
Payment = L × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
Where L = loan amount, r = monthly interest rate (annual ÷ 12), and n = the number of monthly payments (term in years × 12).
Costs and Rules When Buying a Flat in Bangladesh
The big upfront costs are the down payment (usually 20–30%, as banks lend 70–80% of the value) and the registration package: a registration fee (around 1%), stamp duty (around 1.5%), a local government tax (2–3%, higher inside a city corporation), and an area-based source/gain tax — together commonly 8–12% of the deed value, paid in cash. Add the lawyer's fee, the bank's processing fee (around 0.5–1%), mortgage and power-of-attorney deed costs, and VAT on a new developer flat. For a lower rate, compare a BHBFC loan and the housing finance companies (DBH, IDLC, National Housing, Delta Brac) against a bank. Add every cost up before you decide how much you need saved.
Frequently Asked Questions
- What does it cost to buy a flat in Bangladesh besides the price?
- Registration is expensive. On the deed value the buyer typically pays a registration fee (around 1%), stamp duty (around 1.5%), a local government tax (2–3%, higher inside a city corporation) and a source tax / gain tax that varies by area — together often 8–12% of the deed value. On a new flat from a developer there is also VAT. Add lawyer's fees and, on a loan, the bank's processing fee (around 0.5–1%) and mortgage and power-of-attorney deed costs.
- How big a deposit do I need for a home loan in Bangladesh?
- Banks and housing finance companies (DBH, IDLC, National Housing, Delta Brac) generally lend up to 70–80% of the value, so you need 20–30% as a down payment, plus the registration costs in cash. Rates are usually variable and have often been in the low-to-mid teens. BHBFC, the government House Building Finance Corporation, offers loans at a somewhat lower rate, mostly in and around the cities.
- What is BHBFC?
- The Bangladesh House Building Finance Corporation is a state-owned lender that gives loans to build or buy a home, historically at a rate below the commercial banks, with schemes aimed at middle- and lower-middle-income borrowers and at semi-urban areas. It is worth comparing against a bank or an HFC before you commit.