Loan Eligibility Calculator (Bangladesh) — How to Use & What It Means
This page is designed as an educational guide + calculator. It helps you estimate an affordable EMI and a rough maximum loan range
before you apply for a personal/salary loan in Bangladesh. Eligibility depends on multiple factors—income stability, existing obligations, bank policy,
retirement age rules, and verification. So treat this as a planning tool, not a guarantee of approval.
Quick idea: Don’t judge a loan only by EMI. Also check total interest, fee/charges, and whether the EMI leaves enough money
for living expenses and emergencies.
How to use this calculator
- Select your bank to load an estimated rate.
- Enter your date of birth to check retirement-age warning (if applicable).
- Enter net salary, loan amount, tenure (months).
- Review the EMI and the two maximum-loan estimates based on 80% and 2/3 salary rules.
- Download the PDF for a neat summary (useful for discussion, not official approval).
What do “80% salary” and “2/3 salary” rules mean?
Many banks check affordability by limiting EMI to a portion of monthly net salary. In practice, some cases use up to 80%,
while a safer evaluation often uses around two‑thirds (2/3). Policies vary by bank, borrower category and internal risk assessment.
Why your bank may calculate differently
Your bank’s final figures can differ due to service charges, insurance, rounding, rate changes, employer category, existing loans, CIB/credit history,
and documentation verification. Always confirm the final EMI and eligible amount with your bank.
TODO (Write later — 200–400+ words)
Add a real example from your banking experience: borrower salary, existing obligations, proposed loan, and how to decide a safe EMI range.
Explain how you interpret “risk” when EMI is above 2/3 or 80% of salary. This improves user trust and AdSense review signals.
About the Author
I’m Abdul Latif, a banking professional at Agrani Bank PLC (Bangladesh).
I work with real loan cases, repayment planning, and documentation. This calculator is built to reflect practical banking logic
and to help people make safer borrowing decisions.
Privacy note: This calculator runs in your browser. I do not collect your salary, DOB, or personal inputs from this page.
Disclaimer: This is an educational estimate. Final eligibility depends on bank policy, verification, and changes in rates/fees.