Loan Eligibility Calculator (Bangladesh)
This tool helps you estimate salary loan eligibility and EMI before applying in any bank in Bangladesh.
It uses standard banking affordability rules (80% and 2/3 salary policy) and warns if loan tenor exceeds retirement age.
Why people take loans?
Loans help meet major financial needs such as home renovation, education, medical emergencies, business expansion, or personal investment.
A responsible loan strengthens your financial plan, but an excessive EMI can create long-term pressure.
For whom this calculator is useful?
This calculator is useful for salaried professionals, job holders, government employees, and private employees planning personal or salary loans.
If you are planning to apply for a loan, you should check EMI affordability first.
Loan culture in Bangladesh (salary loans)
In Bangladesh, banks commonly use income-based eligibility rules. Many banks allow a maximum EMI around 80% of net salary,
while conservative evaluation often applies 2/3 of salary for safer debt coverage.
Final approval depends on CIB history, job stability, and bank policy.
Important note about eligibility
This tool provides an estimate only. Actual bank eligibility may vary due to:
interest rate changes, service charges, insurance, employer category, CIB report, and bank-specific internal policy.