BRAC Bank Home Loan Interest Rate
Month of data published by Bangladesh Bank | Base Rate |
November 2025 | 9.65% |
Home Loan Pricing Methodology
Base Rate [Variable] + Margin Rate [Fixed] = Effective Rate |
Here,
a) Base Rate (Variable):
▪ The base rate will be the “Latest average of the highest 6-months’ FDR rate of all private commercial banks of Bangladesh except Islamic banks, foreign banks and 4th generation onward banks”, as published by Bangladesh Bank (BB).
▪ This base rate will be variable and will be reviewed in every 6 (six) months. Any changes in the base rate will be adjusted with the effective rate of the home loan
▪ Data source: https://www.bb.org.bd/en/index.php/financialactivity/interestdeposit
b) Margin Rate (Fixed):
▪ The margin rate will be fixed for the entire loan tenure.
▪ Margin will be determined based on:
o Risk assessment of the borrower
o Loan facility type
o Customer - bank relationship
