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Personal Loan Charge Documents sc.com/bd
Personal Loan Charge Documents sc.com/bd

Personal Loan Charge Documents

sc.com/bd

Personal Loan Charge Documents sc.com/bd

Form for reporting SBS-2 & SBS-3 Returns

(To be filled in English by the bank officials) A. AvgvbZKvixi Z_¨ (Depositor’s Information ):

(For SBS-2 Reporting)

wnmve b¤^i

(Account No.):

e¨w³i †¶‡Î

(For individual)

1| wnmveavixi bvg

(Account opener’s Name):

(In Block Letter)

2| †ckv (Profession):

3| wnmv‡ei aiY (Type of Account)

cÖwZôvbi Î (For Institution/office/Company/Farm etc.):

1| cÖwZôv‡bi bvg (Name of the Institution):

(In Block Letter) 2| cÖwZôv‡bi aiY (Type of Institution):

3| wnmv‡ei aiY (Type of Account):

Sector Code: (See page 87-102 of Guidelines for SBS-12&3 Returns) Type of Deposit Code: (See
Sector Code:
(See page 87-102 of Guidelines for
SBS-12&3 Returns)
Type of Deposit Code:
(See page 103 of Guidelines for SBS -12&3
Returns)
Sector Code: (See page 87-102 of Guidelines for SBS-12&3 Returns) Type of Deposit Code: (See
Sector Code:
(See page 87-102 of Guidelines for
SBS-12&3 Returns)
Type of Deposit Code:
(See page 103 of Guidelines for SBS
-12&3 Returns)

wnmve b¤^i (Account No.)

e¨w³i Î (For individual)

1| FY MÖnYKvixi bvg (Borrower’s Name)

(In Block Letters) 2| †ckv (Profession):

3| FY MÖn‡bi D‡Ïk¨

(Purpose of loans/advances) :

6| GmGgB wK bv (SME): n¨vu/bv|

B. FY MÖnYKvixi Z_¨ (Borrower’s Information):

(For SBS-3 Reporting)

Sector Code: (See page 87-102 of Guidelines for SBS-12&3 Returns) Economic Purpose Code: See page
Sector Code:
(See page 87-102 of Guidelines for SBS-12&3 Returns)
Economic Purpose Code:
See page 107-111 of Guidelines for SBS-12 &3 Returns)
Sector Code:
(See page 112 of Guidelines for SBS-12 &3 Returns)
Product Code:
(See page 118 of Guidelines for SBS-12 &3 Returns)
SME Code:
See page 115 of Guidelines for SBS -12 &3 Returns)

cÖwZôvb‡`i †¶‡Î (For Institution/ Office/ Company/Farm etc.):

1| FY MÖnYKvix cÖwZôv‡bi bvg (Name of the Borrowing Institution):

(In Block Letters) 2| cÖwZôv‡bi aiY (Type of Institution):

3| FY MÖn‡bi D‡Ïk¨

(Purpose of loans advances):

4| RvgvbZ (Security):

5| F‡Yi aiY (Type of Loan):

6| GmGgB wK bv (SME): n¨vu/bv|

Sector Code: (See page 87-102 of Guidelines for SBS-12&3 Returns) Economic Purpose Code: See page
Sector Code:
(See page 87-102 of Guidelines for SBS-12&3 Returns)
Economic Purpose Code:
See page 107-111 of Guidelines for SBS-12 &3 Returns)
Sector Code:
(See page 112 of Guidelines for SBS-12 &3 Returns)
Product Code:
(See page 118 of Guidelines for SBS-12 &3 Returns)
SME Code:
See page 115 of Guidelines for SBS -12 &3 Returns)

Prepared by:

Verified by:

Approved by:

Note:

• Form wU Account opening Form Gi m‡½ msi¶Yxq|

FY MÖnbKvixi Z_¨mg~n Loan Sanction nIqvi ci cÖwZwU FY MÖnxZv e¨w³/cÖwZôv‡bi Loan File Gi m‡½ msi¶Yxq|

• Joint Account Gi †¶‡Î 1st Applicant †K we‡ePbv Ki‡Z n‡e|

GKvwaK Security Øviv Loan MÖnb Ki‡j Reporting Gi mgq G‡`i g‡a¨ effective Security we‡ePbv K‡i Zvi Security Code emv‡Z n‡e|

• SBS-2/SBS-3 Reporting Gi mgq GB d‡g©i Code ¸‡jv Aek¨B mwbœ‡ewkZ n‡e|

Name: A/C No. : Address: Branch : Date : City/District Bangladesh BANKING ARRANGEMENT LETTER Dear
Name: A/C No. : Address: Branch : Date : City/District Bangladesh
Name:
A/C No. :
Address:
Branch
:
Date
:
City/District
Bangladesh
: Address: Branch : Date : City/District Bangladesh BANKING ARRANGEMENT LETTER Dear Sir / Madam, We

BANKING ARRANGEMENT LETTER

Dear Sir / Madam, We refer to your application dated you the following credit limit on the following terms and conditions :

under our Personal Loan scheme and are pleased to offer

Particulars of your Personal Loan:

Loan Account Number

:

Loan Amount (BDT)

:

Purpose of the Loan

:

Disbursement Date

:

Processing Fee (BDT)

:

Safety Plus Premium Amount (BDT)

:

Personal Loan Insured by:

:

Interest Rate (per annum)

:

First Installment Due Date

:

Number of Installments

:

Monthly Installment Date

:

Installment Amount (BDT)*

:

Method of Payment

:

Last Installment Date

:

Settlement Fee*

:

Delayed Payments

:

Other Fees / Charges

:

or before of every month till maturity / settlement

: or before of every month till maturity / settlement SI PDC BEFTN (from : *

SI

: or before of every month till maturity / settlement SI PDC BEFTN (from : *

PDC

: or before of every month till maturity / settlement SI PDC BEFTN (from : *

BEFTN (from :

* the last installment amount may vary from regular installment amount

)

*prepayment or early settlement will only be allowed after payment of the 6 th (sixth) installment

Penal interest will be charged on overdue amount at the rate of

% p.a.

Any fees, charges, duties, etc. Ievied by the regulator or as per law will be applicable on your loan with immediate effect, with or without prior notification

The terms and conditions enclosed in the "Personal Loan" application form shall be considered an integral part of this offer letter and shall govern the credit limit offered in this letter

DOCUMENTATION :

The following documentation will be required to be completed and executed prior to the credit being available for drawdown. It will be necessary for the documents to be in a legally enforceable condition and in a form and substance satisfactory to the Bank:

DP Note for BDTand in a form and substance satisfactory to the Bank: Salary Certificate Letter of authorisation Letter

Salary Certificateform and substance satisfactory to the Bank: DP Note for BDT Letter of authorisation Letter of

Letter of authorisationsatisfactory to the Bank: DP Note for BDT Salary Certificate Letter of introduction from Letter of

Letter of introduction fromDP Note for BDT Salary Certificate Letter of authorisation Letter of salary assignment from Letter of

Letter of salary assignment fromLetter of authorisation Letter of introduction from Letter of undertaking from Letter of Guarantee for BDT

Letter of undertaking fromLetter of introduction from Letter of salary assignment from Letter of Guarantee for BDT Original Certificate

Letter of Guarantee for BDTLetter of salary assignment from Letter of undertaking from Original Certificate of Professional Degree Bank Statement

Original Certificate of Professional Degreefrom Letter of undertaking from Letter of Guarantee for BDT Bank Statement of 6-12 months Tax

Bank Statement of 6-12 monthsfor BDT Original Certificate of Professional Degree Tax Returns of last period Memorandum of Deposit of

Tax Returns of last periodof Professional Degree Bank Statement of 6-12 months Memorandum of Deposit of Post Dated Cheques Post

Memorandum of Deposit of Post Dated ChequesBank Statement of 6-12 months Tax Returns of last period Post Dated Cheques starting from Others

Post Dated Cheques starting fromof last period Memorandum of Deposit of Post Dated Cheques Others (Please specify) from To accept

Others (Please specify)of Post Dated Cheques Post Dated Cheques starting from from To accept this offer please sign

from

To accept this offer please sign both the Banking Arrangement Letter and the enclosed terms and conditions forming part of the loan arrangement at the spaces indicated and return the same to us.

By accepting this offer you hereby authorise the Bank to disclose the information of your loan to any regulatory authority, any office of the Bank, any assignee of the Bank, agent of the Bank or to any subsidiary company of the Bank.

You hereby agree that Bank may at any time or times hereinafter without notice to you apply the right of set off of all or any of the moneys from time to times standing to the credit of your any account with the Bank, in whichever form they are and whatever name they may be called, in or towards the discharge and satisfaction of all sums of money which now are or at any time or times hereinafter may become due or owing to the Bank by you either alone or jointly with any other person, or persons, company or companies on any account or in respect of any liability whatsoever whether actual or contingent and whether in the capacity of principal debtor or guarantor surety or principal obligor or otherwise. You also agree or authorise the Bank to restrict withdrawal from any of your accounts as designated by the Bank after notice to you until all of your liability with the Bank fully adjusted and settled.

After full and final settlement of this Loan the Bank shall cancel and destory the Post Dated Cheques (PDC) that you have given to the Bank for securing EMI payment for the Loan. You hereby give consent to the Bank for cancellation or destruction of the said cheques.

Upon acceptance, this offer shall be construed as a valid contract between the Bank and yourself and valid and binding upon yourself and your successors and shall be valid notwithstanding any change in the document of incorporation of the Bank or any merger, acquisition or amalgamation of the Bank with any other body corporate.

-------------------------------

Authorised signature

ACCEPTANCE

I / we expressly agree to the above terms and conditions.

----------------------------------------

Signature of First Applicant

------------------------------

Authorised signature

----------------------------------------

Signature of Joint Applicant

Y ours faithfull y ,
Y ours faithfull y ,
Y ours faithfull y ,
Y ours faithfull y ,
Y ours faithfull y ,
Y ours faithfull y ,
Y ours faithfull y ,

Yours faithfully,

Y ours faithfull y ,
Y ours faithfull y ,

Debit Authority

Debit Authority In consideration of granting me/us a Personal Loan facility, I/We authorize the bank to
Debit Authority In consideration of granting me/us a Personal Loan facility, I/We authorize the bank to

In consideration of granting me/us a Personal Loan facility, I/We authorize the bank to debit my/our account no:

- -
-
-

For BDT

For BDT .
For BDT .
For BDT .
For BDT .
For BDT .
For BDT .
For BDT .

.

BDT

( in w ords)
( in w ords)
in consecutive monthly instalments as on month commencing from the month of , M ont
in
consecutive monthly instalments as on
month commencing from the month of
,
M ont h
Year
as on month commencing from the month of , M ont h Year Signature (First Applicant)

Signature (First Applicant)

day or the following 3 working days of each

of , M ont h Year Signature (First Applicant) day or the following 3 working days

Signature (Joint Applicant)

LLID:

LLID: Debit Authority for Insurance Premium Deduction for Personal Loan I/we have agreed to enrol in
LLID: Debit Authority for Insurance Premium Deduction for Personal Loan I/we have agreed to enrol in

Debit Authority for Insurance Premium Deduction for Personal Loan

I/we have agreed to enrol in life insurance coverage with personal loan availed from the Bank. And as part of the requirement for debiting the insurance premium for Personal Loan, I/we hereby authorize the Bank to debit my/our account as per following instructions:

Account Number:

Account Title:

Amount:

Amount In Words:

Signature & Date: Account Holder-1

Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (If Jointly Operated)
Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (If Jointly Operated)

Signature & Date: Account Holder-2 (If Jointly Operated)

Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (If Jointly Operated)
Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (If Jointly Operated)

Bank Use Only:

Signature verifying Bank Official’s Name, Seal & Signature

Designation

Date

Important Information Document (IID) for Personal Loans

Important Information for you to know about your Personal Loan from Standard Chartered Bank

Thank you for applying for a Standard Chartered Personal Loan. At Standard Chartered, we believe in earning your trust by presenting information in a clear and transparent manner to you. Therefore you are kindly requested to please note the following key terms that are associated with your loan:

1. We are pleased to inform you that a Personal Loan for the amount of BDT

approved and credited to your account. Please note that you will repay us in equal monthly installments of

has been

BDT

for

months starting from

2. Your first installment is due on

loan amount with interest has been repaid. If your first installment interval is not settled within 30 days, interest will either be claimed by the Bank or reimbursed to your account depending on the date of repayment.

day of each month until the

After that on the

3. We will debit your Current / Savings / Loan Repayment Account for the installment amount on the installment due

date.

4. You have been charged a Processing / Establishment Fee of BDT

including VAT.

5. The interest rate on your Personal Loan will be

This interest rate can be re-fixed at any time at the Bank’s sole discretion.

% per annum calculated on a Reducing Balance Method.

6. If your monthly installments are not paid by the due date, your loan account will accrue an overdue interest at 24%

on a daily basis.

7. You will be eligible to repay the loan early only after payment of your 6th (sixth) Equal Monthly Installment (EMI). An

Early Settlement Fee at prevailing rate on your outstanding Loan balance on the date you wish to repay will apply to

cover administration fees and other costs.

9. Please note that your credit data will be shared with credit information bureau or other regulators, as required by

law or other competent authorities having jurisdiction over the bank or any office of the Bank, any affiliates, agents,

assignee of the Bank or member of Standard Chartered Group.

10. Please be informed that there will be repercussions of non-payment of monthly dues which includes blocking of

your account(s) with Standard Chartered Bank. This may negatively impact your credit rating and may jeopardize your access to future loans from any reputable lending institution. Please not that Standard Chartered Bank will also

take necessary steps to collect any unpaid dues, including legal action where necessary.

11. This document is for your convenience and does not replace your Personal Loan Agreement. If there is any

conflict or inconsistency between the terms in the various parts of this IID, the terms and conditions enclosed in the "Personal Loan" (the Loan) application form and Banking Agreement letter will prevail over those in the IID.

12. For additional information, please call our 24 hour Client Care Centre at 8332272, 16233 (from mobile) or contact

your nearest branch.

MEMORANDUM OF DEPOSIT OF POST DATED CHEQUES

STANDARD CHARTERED BANK 67, Gulshan Avenue, Dhaka-1212

THIS MEMORANDUM OF DEPOSIT OF CHEQUES IS MADE ON THIS THE

20

DAY OF

I, ……………………………………………………………………………………………., son/daughter of and ……………………………………………….,

…………………………………………………………… bearing NID …………………………………………… and TIN……………………………………………… , presently residing at ………………………………………………………………………………………………, Bangladesh [hereinafter referred to as the ‘BORROWER’] do hereby confirm, admit, acknowledge and record

that I have already deposited with:

STANDARD CHARTERED BANK 67, Gulshan Avenue, Dhaka-1212

(hereinafter referred to as the ‘BANK’ which expression shall include its successors-in-interest, legal

representatives, administrators and assignees) the cheques as described in SCHEDULE-I (hereinafter referred to

as ‘Scheduled Cheques’) hereto relating to my personal loan (the ‘loan’) sanctioned or to be sanctioned by the BANK upon my application for the said loan and I have issued the Scheduled Cheques for the purpose of securing the EMI (equated monthly installment) payment to the BANK on demand of all outstanding dues including all charges and interest on account of said loan facility of Tk. BDT. /= (Taka ) only given or to be given by the BANK to the BORROWER.

I do

branch of ……………………………………… Bank Limited from which I have rightfully issued the Scheduled Cheques.

with

hereby

confirm

that

I

am

maintaining

the

account

number

………………………………

………………………

And I do hereby confirm that the Scheduled Cheques deposited by me were in my possession, custody and

control concerning the said account number ………………………………

branch of ……………………………………… Bank Limited in my name which I have willfully signed and written dates thereon with required amount in words and numbers.

with ………………………

AND I further undertake and covenant that during the pendency of the said loan, I shall ensure that required

funds are available in my said account number ………………………………

branch of ………………………………………Bank Limited to honour the Scheduled Cheques failure of which the BANK shall be at liberty to take appropriate measures against the BORROWER as the BANK may deem fit.

SCHEDULE-I

(SIGNED POST DATED CHEQUES)

with ………………………

Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/- Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/- Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/- Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/- Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-

Total number of Cheques = …………… (……in word)

All the above cheques are duly signed and dates are written therein by the BORROWER

IN WITNESS WHEREOF, THE BORROWER HEREUNTO SET HIS/HER SIGNATURE ON THE DAY, MONTH AND YEAR MENTIONED ABOVE.

Signed in the presence of (signatures, names and addresses of the witnesses)

1.

2.

(Signature of the BORROWER) Insert full name of the borrower in capital letter

July 2017

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