Fees & Charge - LankaBangla Finance Limited

Schedule of Fees & Charges of Corporate Financial Services

Product Name	Cost Head	Minimum	Maximum
Lease Finance	Documentation Fee	BDT 1,000/-	0.5% of the finance amount or BDT 200,000/- whichever is lower
	Loan Processing Fee	BDT 1,000/-	0.5% of the finance amount.
	Early/partial Settlement Fees	0.5% on the outstanding principle amount, subject minimum of BDT 5,000/-	2.0% on the outstanding principle amount
Term Finance/Short Term Finance/Working Capital Finance	Documentation Fee	BDT 1,000/-	0.5% of the finance amount or BDT 200,000/- whichever is lower
	Loan Processing Fee	BDT 1,000/-	0.5% of the finance amount.
	Early/partial Settlement Fees	0.5% on the outstanding principle amount, subject minimum of BDT 5,000/-	2.0% on the outstanding principle amount
Developers Finance	Documentation Fee	BDT 5,000/-	0.5% of the finance amount or BDT 200,000/- whichever is lower.
	Loan Processing Fee	BDT 5,000/-	0.5% of the finance amount.
	Early Settlement Fees	0.5% on the outstanding principle amount, subject to a minimum of Tk. 5,000/-.	2.0% on the outstanding principle amount.
Syndication Finance	Service Charge	0.1% of Deal amount	2.0% of Deal amount
Factoring Finance	Documentation Fee	BDT 5,000/-	0.5% of the finance amount or BDT 200,000/- whichever is lower
	Loan Processing Fee	BDT 5,000/-	0.5% of the finance amount.
	Service Charge	0.05% of bill amount	2% of bill amount

Schedule of Fees & Charges of SME Finance

Product Name	Cost Head	Minimum	Maximum
SME Finance	Documentation Fee	BDT 5,000/- For unsecured/partial secured loan documentation fee nil	0.25% up to 0.5% of the finance amount or BDT 200,000/- whichever is lower for Mortgage loan. For unsecured/partial secured loan documentation fee nil
Loan Processing Fee	BDT 5,000/-	0.25% up to 1% or BDT 200,000/- whichever is lower of the finance amount Unsecured /partial secured /Mortgage loan.
Early Settlement Fees	2% on the outstanding principal amount before 1 year Settlement	1% on the outstanding principal amount after 1 year Settlement

Schedule of Fees & Charges of Home Loan, Personal Loan, STL against TDR and Auto Loan

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Product Name	Cost Head	Minimum	Maximum
Home Loan	Loan Processing Fee	0.25% of the loan amount subject to a minimum of Tk.3,750 plus 15% VAT	0.50% of loan amount but not exceed Tk.200,000 plus 15% VAT
	Documentation fee	0.25% of the disbursement amount subject to a minimum of Tk.3,750 plus VAT	0.50% of loan amount but not exceed Tk.200,000 plus 15% VAT
	Early Settlement Fees	0.5% on the outstanding principal/early settlement amount, subject to a minimum of Tk. 5,000 plus 15% VAT	2.0% on the outstanding principal/ early settlement amount plus 15% VAT
	Penal interest charge	4% Above the lending rate	4% Above the lending rate
Other charges for vetting, survey, valuation, registration, mortgage, charge creation, hypothecation, Tax & VAT, Redemption fee, cancellation of Power fee etc.		At Actual
Personal Loan	Documentation fee	0.25% on approved amount but not less than BDT 1,500 plus 15% VAT	0.5% on approved amount plus 15% VAT
	Processing Fee	0.25% on approved amount but not less than BDT 1,500 plus 15% VAT	0.5% on approved amount plus 15% VAT
	Documentation fee Land Lord/Land Lady	0.25% on approved amount but not less than BDT 2,500 on Loan amount plus 15% VAT	0.75% on the prepayment amount plus 15% VAT
	Processing Fee for Land Lord/Land Lady	0.25% on approved amount but not less than BDT 2,500 on Loan amount plus 15% VAT	0.75% on the prepayment amount plus 15% VAT
	Early Settlement Fees	1% on the prepayment amount plus 15% VAT	2% on the prepayment amount plus 15% VAT
	Penal interest charge	4% Above the nominal rate
STL against TDR	Documentation Fee /Processing Fee	Maximum Tk. 1,000 plus 15% VAT
	Early Settlement Fees	Nil	Nil
	Penal interest charge	4% Above the nominal rate
Auto Loan	Loan Processing Fee	0.25% of loan amount plus 15% VAT	0.50% of loan amount plus 15% VAT
	Documentation fee	0.25% of loan amount plus 15% VAT	0.50% of loan amount plus 15% VAT
	Early Settlement Fees	2.0% on the outstanding principle amount plus 15% VAT
	Penal interest charge	4% Above the nominal rate
	Transfer Price	Tk. 5,000
Other charges for registration, Insurance, Tax & VAT, etc.		At actual for all products

Schedule of Fees & Charges of Credit Cards

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Type of Card	CLASSIC CARD	GOLD CARD	Titanium Master Card
Membership Fee	FREE	FREE	FREE
*Renewal Fee	BDT 1,000 + VAT 15%	BDT 2,000+ VAT 15%	BDT 2,000+ VAT 15%
Spouse Card Fee	FREE	FREE	FREE
Supplementary Card Fee	FREE	FREE	FREE
Card Replacement Fee	BDT 200 + VAT	BDT 300 + VAT	BDT 300 + VAT
PIN Regeneration Fee	BDT 100 + VAT	BDT 100 + VAT	BDT 100 + VAT
Required Minimum Payment	5% of total outstanding or BDT 500 whichever is higher
Payment Due Date	15th of each month (not extendable)
Interest Free Period	Maximum 45 days - Minimum 15 days*
Interest Charge	2.5% per month	2.5% per month	2.5% per month
Cash Advance Limit	50% of Limit	50% of Limit	50% of Limit
Cash Advance Charge	2% or BDT150 whichever is higher
Cash Advance Interest	2.5% per month	2.5% per month	2.5% per month
Card Cheque Book Issuance Fee	BDT 100/2nd Book onward
*Card Cheque Trnx Processing Fee	1.5% or BDT 200 whichever is higher
Late Payment Fee	BDT 300 +VAT	BDT 500 + VAT	BDT 500 + VAT
Over Limit Fee	BDT 300 + VAT	BDT 500 + VAT	BDT 500 + VAT
Cheque Return Fee	FREE	FREE	FREE
Outstation Cheque Collection Fee	FREE	FREE	FREE
Statement Retrieval Fee	BDT 100/Statement	BDT 100/Statement	BDT 100/Statement
e-Statement	FREE	FREE	FREE
SMS Service	FREE	FREE	FREE
CreditShield Coverage(Insurance premium) Charge	BDT 0.33%	BDT 0.33%	BDT 0.33%
**Normal death benefit under Credit Shield coverage	Credit card dues will be waived up to credit limit at the time of death subject to provide the supporting documents and fulfill the terms and condition of Credit Shield coverage
**Accidental death benefit under Credit Shield coverage	BDT 100,000	BDT 300,000	BDT 500,000
Standing Instruction Service	FREE	FREE	FREE
Sales Slip Retrieval Fee	BDT 100/Slip	BDT 100/Slip	BDT 100/Slip
Legal Charge	At actual	At actual	At actual
Reward Point	1 point for every BDT 50 on POS & Card Cheuqe transection only

Note:
100 % waiver on renewal fee by making 15 transitions (POS & Card Cheuqe) in a year for Master Card & VISA Card Classic & Gold.
100 % waiver on renewal fee by making 12 transitions (POS & Card Cheuqe) in a year for Titanium Master Card.
* Condition Apply
** Entitle for benefit under Credit Shield coverage only regular Card member
15% VAT Applicable on all service fees

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