Loan|How can we get 10 lakh to 25 lakh taka Loan?
Loan|How can we get 10 lakh to 25 lakh taka Loan?
Today we will know how an entrepreneur can get a loan of Rs 10 lakh to 25 lakh without collateral. So let's get started. Many people nowadays need loans especially those who are new entrepreneurs or have been doing business for a long time. They need loans to grow their business or increase their capital.
And many people are confused about how to get this loan or where to get it from. Many people know the policy of taking a loan again but many people cannot grow their business because they do not know how to keep a security or what kind of security.
This requires good and accurate information. So our topic today is that we will take a loan of 10 to 25 lakh rupees for our business organization.
Now how do we take this loan?
Where do I go to get a loan?
And how do I apply?
Or which bank should we apply to?
We will discuss these issues today.
There are many types of loans, so we will talk about business loans at the beginning.
Business Loan
There are other sections of business loan, for example, if someone wants to do business, he needs an industrial loan, or if someone has done an LC, he needs a loan against his LC, again it is seen that someone has got a work order, so he has a loan against that work order. It takes. But what we are going to talk about now is the SME loan. And it is a kind of business loan. In other words, SME loan is a part of business loan.
So first of all we will see which of these SME banking systems is in operation.
These are Brac Bank,
Basic Bank,
Bank Asia,
Dutch Bangla Bank Limited DBBL,
Janata Bank Limited,
Sonali Bank Limited,
Agrani Bank,
Pubali Bank,
Bangladesh Krishi Bank etc.
These banks have SME activities. In other words, these banks are specified to manage the SME financing activities of Bangladesh Bank. So we have to apply to this bank. Usually no bank wants to give unsecured loan, but there is only funding for these SME activities.
It is better to say that 25 lakh rupees will be given to women entrepreneurs and 10 lakh rupees will be given to male entrepreneurs. However, there are some conditions that you need to be an entrepreneur in the SME sector and SME trained to take this loan.
Now we will discuss what qualifications you need to get this loan or what documents you need.
The first condition is that you must be a citizen of Bangladesh. That means you have to have a national NID card.
The 2nd condition is that you have to have a legal formation such as trade license if it is a business organization, partnership agreement if it is a partnership business or documents letter of joint stock registrar if it is a limited company etc.
In addition, you must be a taxpayer, that is, you must have an ETIN certificate.
And you must have 2 years of business experience i.e. your trade license must be 2 years old. So that they understand that you have 2 years of business experience. However, in some cases, the bank can also give this loan to new entrepreneurs. But you have to prove that you are experienced for this job. And in terms of age you must be between 21 and 65 years old. By no means do I want to convey that I recommend for the mother to be inactive.
And the bottom line is that if you have these qualifications, you can easily take this SME loan. So far today. Thank you.