There is a need to borrow student loans wherever and whenever it becomes critical for students planning studies both locally, as well in foreign shores. At present, student loans are provided by different banks in Bangladesh to pay your tuition fees & cost of living. This financial product opens up possibilities for students who might not otherwise be able to afford their academic goals.
This complete article will let you know which banks of Bangladesh deliver student loans, the loan eligibility, amount as well as interest rates and also payoff terms. This blog will help you with the required knowledge, methods and prerequisite necessary details for applying student loan in Bangladesh.
Why We Need Student Loans for Higher Education
Because of the high costs associated with a higher education in Bangladesh on top of an increasing number of Bangladeshi students opting for international Higher Education, student loans have now become as relevant today s this field ever has. There are few families that can afford the total education, and this is how student loans come up with rescue.
Helping Hopes for Higher Education
No matter how high an institution is known or where one wishes to study (in best educational institutes of India and abroad), but the cost that education asks for, can become a real pain in neck. Tuition fee, accommodation fees are too high Also books and living cost by these expenses onlyCI & IF anyone stays far from home. Student loans relieve students from such worries, so the latter can attentively study.
Low Mortgage Repayment Plans
One of the major advantages of student loans is that they come with flexible repayment plans at an economically attractive cost. Similarly, students will only start repaying funds after they have graduated and had the chance to make sufficient earnings on which to service a loan.
Student Loan Providers in Bangladesh – Top 3 Banks
Many banks in Bangladesh offer student loans designed to meet various financial requirements and study goals. Here is a detailed insight into some of the major banks for student loan in Bangladesh.
Dutch-Bangla Bank Limited
Student loan scheme for higher studies abroad: Dutch-Bangla Bank Limited (DBBL) The loan includes tuition fees, accommodation and food costs as well as travel allowances amongst the other educational expense issues. DBBL has a range of the amount and tenure for loan.
- Loan Amount: Varies with education institution and location.
- Interest Rate: Competitive, and differs with loan plans.
- Eligibility: A confirmed admission in an approved foreign educational institution.
The City Bank
City Bank offers educational loans to students studying abroad. Education loan from the Bank: The education loan provided by a bank will cover tuition fees, accommodation, books and other living expenses.
- Loan Minimum: BDT 25,000 & Loan Maximum Up to BDT.20,00,000
- Interest Rate: 12.5% Onward
- Who : must have confirmed admission in a recognized institution, co-signers on the financial end ( These are laid out by category where they would then apply to)
Islami Bank Bangladesh Limited
It is the Islami Bank Bangladesh Limited (IBBL) Student loans, which come in a Shariah-compliant manner. Is an Islamic banking based Quard-al-Hasana loan, aimed at financing higher studies programme in the country or abroad.
- Loan Amount: Dependent of the educational expenses.
- Interest rate: NoCompound Interest for Savings Only? no_REVISED_ADMIN_FEES APPLY
- Who can apply: For students who have secured admission for higher studies.
Certain Characteristics of Student Loans in Bangladesh
Every bank in Bangladesh has its own student loan scheme that follows common guidelines assisting students with the financial requirements of their education.
Loan Amount
Great loan amounts – Most student loans come with hefty funds, starting from 5 Lakh to up till 30 lakh (varies between both the bank as well as students need of Education) It also depends on whether the student is studying domestic or international.
Interest Rates
The interest rates of student loan in Bangladesh are usually competitive, which depends on the bank’s lending policy and individual credit score. While some banks have fixed interest rates, interest on loans or credit cards may fluctuate based upon the rate of market.
Repayment Period
Majority of the student loans will have flexible repayment lining with a grace period for most banks during study. Most frequently, repayment does not start until after the student has finished attending school and ventures into their career with steady earnings. It will allow students to study with no pressure and need for immediate repayment.
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Comparison of Different Banks Student Loan in Bangladesh
Feature Comparison between Top Banks in Bangladesh and their Student Loans Features of Student Loan Bangladeshi banks with the best student loans through a comparative table are listed below:
| Bank Name | Loan Amount | Interest Rate | Repayment Period | Eligibility Criteria | Remarks |
|---|---|---|---|---|---|
| Dutch-Bangla Bank | BDT 50,000 – BDT 10,00,000 | 9% – 11% | Up to 5 years | Must be enrolled in a recognized educational institution. | Loan covers both local and foreign education. |
| Prime Bank | BDT 1,00,000 – BDT 20,00,000 | 10% | Up to 7 years | Parents/guardians must be salaried or self-employed. | Flexible collateral options. |
| Islami Bank Bangladesh Ltd. | BDT 50,000 – BDT 5,00,000 | 9% – 10% (Shariah-based) | 3 – 5 years | Islamic Shariah-based criteria; income evidence required. | Loan includes tuition fees and other expenses. |
| Sonali Bank | BDT 50,000 – BDT 15,00,000 | 9% | Up to 8 years | Both local and foreign study loans available. | Government bank with more lenient conditions. |
| BRAC Bank | BDT 1,00,000 – BDT 15,00,000 | 10% | Up to 7 years | Parents/guardians must provide income proof. | Covers tuition fees, living expenses, etc. |
| Eastern Bank | BDT 50,000 – BDT 20,00,000 | 9.5% | 5 – 7 years | Must be a Bangladeshi citizen enrolled in higher education. | Prepayment option available without penalties. |
| Standard Chartered Bank | BDT 1,00,000 – BDT 25,00,000 | 11% | 7 – 10 years | For higher education abroad; high-income family preferred. | Requires extensive collateral or guarantor. |
Student Loans in Bangladesh Eligibility Criteria
However, in order for students to qualify they must meet some criteria. While there can be slight variations between banks when it comes to these criteria, the basic elements are all quite similar.
Academic Requirements
In general, students with verified admission to an accredited school can get a loan from most banks. This may be a local or an international university/college. Additionally, the bank may review the student’s grades to ascertain whether or not he/she will be able finish it.
Financial Co-Signer
In numerous events loaning foundations necessitate that one of the parents or a holder indemnify for the credit since on account that if an equivalent is unable to pay off, at this juncture it gets all things considered clear and reparation becomes exigent along with fulfillmentoverflow. It is required that a co-signer must have an income and credit worthiness.
Age Limit
Different banks may have different age limits on student loans. Typically, the student is between 18 and 35 years old. However individual banks some exceptions to this particular rule based on the course or program in question.
How to get a Student Loan in Bangladesh
How to Apply for a Student Loan in Bangladesh Below is a high-level plan of the process,
Open the Best Bank Account
Before committing, students should also research other banks and compare their private student loan offerings. Things like interest rates, loan amounts, repayment terms and eligibility requirements. Please choose the best bank for you educationally and financially.
Collect Documents Needed
To begin with, there are a lot of important documents that you must have to apply for student loans such as the following:
Evidence of admission to an institution recognized by the appropriate state educational authorities;
- National ID card or passport
- Guarantor or Co-signer’s Income statements
- Students transcripts or School Results
- Loan application form fully accomplished
After having all Necessary Documents, Now Submit Your Application in Bank. Once you provide the necessary documents, bank will consider these and decide whether you are eligible or not. The application process could span across a couple of weeks, so make sure you apply much before your academic term.
Advantages of Student Loan in Bangladesh
Student loans — for obtaining higher education in their numerous forms offer a number of benefits. Some of the main benefits are:
Affordable Financing
Student loans offer a more economical strategy to finance your training without using up the majority of you groupings assets. Student loans come with affordable interest rates and flexible repayment options, making education loan eligibility criteria simple to meet.
Increased Career Opportunities
Financing your education with a student loan gives you the opportunity to concentrate on school and improve your grades. A great education gives you access the better jobs, higher pay potential and financial security in a career for decades to come.
No Immediate Repayment
Grace periods: Many student loans come with a grace period, allowing you to start re-paying only once you have graduated and landed a job. This provides you with the time and ability to get through your schooling without having loan payments due.
Conclusion
In summary, student loans in Bangladesh are one of the great ways to fund higher education. The bank offers a mix of loans for students seeking further or higher education both locally and abroad. These include loan amount, interest rate and repayment facility etc. Dutch-Bangla Bank Limited Islami Bank Bangladesh Ltd If you compare the offerings and choose one that suits your needs, they will fund for what may well ensure all acomfortable educational existence.