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মাসিক ৯০০ টাকা কিস্তিতে ২০ বছর মেয়াদি বাড়ি নির্মাণে ঋন দিবে বিএইচবিএফসি

আবাসন খাতে জমি বা ফ্ল্যাট কেনা ও বাড়ি নি;র্মাণ বা মেরামতে দীর্ঘমেয়াদী ঋণ দিচ্ছে রাষ্ট্রা;য় ত্ত প্রতিষ্ঠান বাংলাদেশ হাউজ বিল্ডিং ফাইন্যান্স কর্পোরেশন (বিএইচবিএফসি)। সর্বো;চ্চ ৯ শতাংশ সরল সুদে এই ঋণ নিয়ে, প;রিশোধ ক;রা যাবে সর্বো;চ্চ ২০ বছরে।

 

প্রবাসীরা সর্বো;চ্চ ২৫ বছর মেয়াদের জন্য এই ঋণ সুবিধা উপভো;গ ক;রতে পারবেন।এখানে সর্বো;চ্চ ৯ শতাংশ সরল সুদে মানে ঋণ গ্রহিতাকে প্রতি লাখে মা;সি;ক কিস্তি দিতে হবে সর্বনিম্ন মাত্র ৯০০ টাকা। বাংলাদেশ হাউজ বিল্ডিং ফাইন্যান্স কর্পোরেশনের ওয়েবসাইটে (http://www.bhbfc.gov.bd/) এমন

 

তথ্যই পাওয়া যাচ্ছে কর্পোরশনের উপ মহাব্যব;স্থাপক মোহাম্মদ খায়রুল ইসলাম জা;নান, পাঁচটি ক্যাটাগরিতে বাড়ি নি;র্মাণের জন্য ঋণ দেওয়া হয়ে থাকে। নগর এলাকায় যারা জমি বা প্লট কিনতে চান তাদের জন্য ‘নগর ব;ন্ধু;, জে;লা পর্যায়ে যারা ঋণ নিতে চান তাদের জন্য ‘পল্লীমা;,

 

দেশের বাইরে থাকা যেসব প্রবাসীরা ঋণ নিতে চান তাদের জন্য ‘প্রবাস ব;ন্ধু;, যারা নিজেদের স্থাপনা আরো ভালো ক;রতে চান তাদের জন্য ‘আবাসন উন্নয়ন; আর সবশেষে যারা নিজেদের স্থাপনা মেরামত ক;রতে চান তাদের জন্য ‘আবাসন মেরামত; নামের পাঁচটি প্যাকেজ রয়েছে।

 

সব প্যাকেজে;র প্রতিটির ৫ বছর মেয়াদী ঋণের জন্য প্রতি এক লাখ টাকায় মাসে দুই হাজার ৭৬ টাকা, ১০ বছরে মা;সি;ক ১ হাজার ২৬৮ টাকা, ১৫ বছরের জন্য মা;সি;ক ১ হাজার ১৪ টাকা আর ২০ বছরের জন্য প্রতি মাসে কিস্তি আসবে সর্বনিম্ন ৯০০ টাকা।খায়রুল ইসলাম বলেন, আমাদের প্রতিষ্ঠান দেশের একমাত্র রাষ্ট্রায়ত্ত প্রতিষ্ঠান যেটি আর্থিক খাতে ঋণ দেয়।

 

আম;রা এক সংখ্যার অংকে সরল সুদে ঋণ দিয়ে থাকি। মোট পাঁচটি ক্যাটাগরিতে ফ্ল্যাটের ক্ষেত্রে সর্বো;চ্চ ৮০ লাখ আর জমির ক্ষেত্রে সর্বো;চ্চ ১ কোটি টাকা পর্যন্ত আম;রা ঋণ দিয়ে থাকি।বাংলাদেশি নাগরিক;রা এটি সর্বো;চ্চ ২০ বছরে এবং যারা প্রবাসে আছেন তারা সর্বো;চ্চ ২৫ বছরে মা;সি;ক কিস্তিতে এই ঋণ প;রিশোধ ক;রতে পারবেন।

 

১৮ থেকে ৬৫ বছর বয়সী বাংলাদেশের যেকোন নাগরিক শর্ত সাপেক্ষে এই ঋণ সুবিধা নিতে পারবেন।ব্যাংকের তুলনায় কর্পোরেশন থেকে ঋণ নেওয়া সুবিধা ও লাভজনক উল্লেখ ক;রে প্রতিষ্ঠানটির এই ক;র্মকর্তা বলেন, যেহেতু এটা একটি রাষ্ট্রায়ত্ত প্রতিষ্ঠান তাই এটির সুধ সরকার কর্তৃক নির্ধারিত হয়।

 

গ্রাহক প্রতি মাসে যে কিস্তি প;রিশোধ করবেন সেটি থেকে আম;রা আ;সলের অংকও নিয়ে থাকি।এছাড়াও ব্যাংক সাধারণত দুই অঙ্কের সংখ্যার সুদে ঋণ দেয়। তাই ব্যাংকের তুলনায় আমাদের থেকে ঋণ নেওয়া লাভজনক। অন্যদিকে ব্যাংকে সাধারণত তিন মাস কিস্তি বকেয়া পড়লেই ক;র্তৃপক্ষ মা;ম;লা-মোকদ্দমা বা অন্যান্য আ;ইনানুগ পদক্ষে;পে চলে যায়।

 

কিন্তু আমাদের এখানে সর্বো;চ্চ ২৪ কিস্তি পর্যন্ত বকেয়ার সুবিধা দেওয়া হয় গ্রাহকদের। তাই তুলনামূলকভাবে বি;চার করলে হাউজ বিল্ডিং ফাইন্যান্স কর্পোরেশন থেকে ঋণ নেওয়া সুবিধার ও লাভজনক। খায়রুল ইসলাম আরও বলেন, অনেক প্রতিষ্ঠান আছে যারা ঋণ দেয় কিন্তু প্রপার্টি কিনতে হবে তাদের পছন্দনীয় জায়গা থেকে।

 

আমাদের এখানে এ ধ;রনের বাধ্যবাধকতা নেই, আম;রা শুধু অর্থ ঋণ দিয়ে থাকি। গ্রাহকের যেখানে সুবিধা মনে হবে তিনি এই অর্থ দিয়ে সেখানেই প্রপার্টি কিনতে পারবেন।প্রবাসীরা বাড়ি নি;র্মাণে ঋণ সুবিধা পাওয়ার জন্য বি;স্তারিত জানতে এই লিংকে ক্লি;ককরুন:http://bhbfc.portal.gov.bd/sites/default/files/files/bhbfc.portal.gov.bd/npfblock//probasbondhu.pdfআরও বি;স্তারিত জানতে বাংলাদেশ হাউজ বিল্ডিং ফাইন্যান্স কর্পোরেশনের হেল্পলাইনে যোগাযোগ করুন: ০২-৯৫৬১৩৮০, +৮৮ ০১৫৫০-০৪৩৩০৫, +৮৮ ০১৫৫০-০৪৩৩০৬

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অঙ্কিতা লোখন্ডে ছবি: ইনস্টাগ্রাম বিয়ে করতে যাচ্ছেন অঙ্কিতা লোখান্ডে। প্রয়াত বলিউড তারকা সুশান্ত সিং রাজপুতের …

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