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WorksheetsQuestionnaire - RBD
Total questions: 98
Worksheet time: 49mins
What is the minimum amount can be offered to a customer as DBBL Personal Loan?
BDT 50,000.00
BDT 100,000.00
BDT 75,000.00
BDT 60,000.00
What is the minimum age limit of DBBL Personal Loan at the time of application?
21 years
18 years
25 years
20 years
What is the maximum age limit of a customer to avail DBBL Personal Loan?
Retirement age or 65 years (which one comes earlier)
Retirement age or 60 years (which one comes earlier)
Retirement age or 70 years (which one comes earlier)
Retirement age or 56 years (which one comes earlier)
What is the maximum tenure of DBBL Personal Loan?
Maximum 3 years
Minimum 5 years
Maximum 48 months
Maximum 5 years
What is the loan processing fee of DBBL Personal Loan?
1% of the loan amount or BDT 1,000 whichever is higher
0.75% of the loan amount or BDT 1,000 whichever is higher
Maximum 0.50% or TK 15,000/- whichever is lower
1.5% of the loan amount or BDT 1,000 whichever is higher
What is the partial pre payment fee of DBBL Personal Loan?
0.50% of partial pre-payment amount
1% of the settlement amount or BDT 2,000 whichever is higher
1% of the settlement amount
2% of the settlement amount or BDT 3,000 whichever is higher
What is the minimum income of an applicant to be eligible for Personal Loan application?
Salaried BDT 10,000.00
Professional BDT 30,000.00
Landlord BDT 30,000.00
All of the above
What is the minimum & maximum amount that can be offered to a customer under DBBL Car Loan scheme?
Minimum BDT 50,000.00 and maximum 20,000,00.00 or 50% of the car value (whichever is higher)
Minimum BDT 100,000.00 and maximum 20,000,00.00 or 50% of the car value (whichever is lower)
Minimum BDT 100,000.00 and maximum 40,000,00.00 or 50% of the car value (whichever is lower)
Minimum BDT 100,000.00 and maximum 40,000,00.00 or 50% of the car value (whichever is higher)
What is the Debt Equity Ratio of DBBL Car Loan?
50 : 50 (maximum 40,000,00.00)
70 : 30 (maximum 50,000,00.00)
30 : 70
None of the above
What is the abbreviation of DBR?
Deposit burden ratio
Debt burden rating
Debt burden ratio
Debit burden ratio
What is the minimum monthly income of an applicant to be eligible for DBBL Car Loan?
Employed - BDT 25,000
Professional - BDT 40,000
Landlord/landlady/Businessman - BDT 50,000
All of the above
What will be the segmentation (customer type), who maintain salary account with DBBL but does not qualify for PPL or PL segment and employees of Banks & NBFIs who's ACC salary reflection is less than 50,000.00?
SCC
GL
EL
PL
What is the segment (customer type) of salaried executives (government, semi government, autonomous & semi autonomous bodies, MNC & local corporate etc.) maintaining salary account with other banks having at least Tk 50,000 Account Payee Salary reflection?
PPL
EL
GL
None of the above
What is the segmentation (customer type) of instructor of vocational institute/ technical institute or equivalent?
EL
GL
SCC
PL
How many customer segments are there in DBBL Retail Loan PPG?
5
4
3
6
What is the maximum repayment tenor of a loan amount of upto BDT 1,49,999.00?
36 months
48 months
60 months
24 months
What is the repayment tenor of a loan amount of BDT 1,50,000.00 to 3,99,999.00?
36 months
48 months
60 months
24 months
What are the maximum times that can be offered to PL/PPL/SCC segment having income range 30,000.00 to 59,999.00 under DBBL personal loan scheme?
19
17
21
15
What is the overdue charge of DBBL personal loan?
Additional 2% p.a. (3 days grace period allowed)
Additional 2% p.a. (No grace period allowed)
Additional 2% p.m. (3 days grace period allowed)
Additional 3% p.a. (3 days grace period allowed)
What is the CIB charge of DBBL Retail Loan Application?
At actual plus Tk. 100 per borrower
Tk. 100 per borrower
At actual plus Tk. 230 per borrower
None of the above
What is the minimum requirement for service holders under PPL segment to apply for DBBL Personal Loan?
Minimum 3 months of service at present employer
Total 3 years of service experience
6 months of service at present employer
Full time employment at the time of loan application with at least one account payee full salary reflection from present employer
Who can be the co-applicant of DBBL Personal Loan?
Parents or wife
Wife or siblings
Colleague or friend
Family member (father, mother, brother, sister, spouse, son & daughter only)
What is the abbreviation of EMI?
Equivalent Monthly Installment
Equal Monthly Installment
Eligible Monthly Installment
None of the above
What is the maximum amount can be offered to GL segment under DBBL Personal Loan?
20,000,00.00
15,000,00.00
10,000,00.00
None of the above
What is the validity period for disbursement of approved DBBL Car Loan?
60 days
90 days
30 days
45 days
What is the validity period for disbursement of approved DBBL Personal Loan?
60 days
90 days
30 days
45 days
After 60 days of approval, re-approval is required to revive the car loan facility until 90 days of approval date.
TRUE
FALSE
What is the maximum DBR of DBBL car loan applicant with a gross monthly income up to 49,990.00 as per PPG?
65%
60%
70%
55%
What is the maximum DBR of DBBL car loan applicant with a gross monthly income for 50,000/- and above as per PPG?
65%
60%
70%
55%
Income assessment, work/business experience is mandatory for full cash covered car loan.
TRUE
FALSE
To apply for car loan what is the minimum service length required for salaried executives under PPL/PL/EL/GL/SCC segment?
Minimum 6 month as regular employment with present employer
Minimum 1 year regular employment with present employer
Minimum 6 months regular/contractual employment with present employer
Minimum 1 year regular/contractual employment with present employer
What is the minimum business length required for a businessman to apply for car loan?
Minimum 2 years of business establishment
Minimum 1 year of business establishment
Minimum 6 months of business establishment
Minimum 8 months of business establishment
Contractual employees will require to provide consecutive two previous contract renew/proof of experience of at least 2 years and present contract document at the time of loan application?
TRUE
FALSE
What is the minimum income for landlord/landlady to be eligible for DBBL personal loan?
10,000.00
30,000.00
50,000.00
25,000.00
What is the processing fee of GL/EL segment of DBBL personal loan?
At actual 0.50% of the loan amount
0.75% of the loan amount or BDT 1,000 whichever is higher
0.50% of the loan amount or BDT 1,000 whichever is higher
1.5% of the loan amount or BDT 1,000 whichever is higher
What is the certificate fee of DBBL personal loan?
BDT 300.00
BDT 600.00
BDT 450.00
BDT 650.00
What is the interest rate of DBBL personal loan?
10%
11%
12%
13%
Processing fee for additional amount in case of takeover will not be applicable for DBBL personal loan?
TRUE
FALSE
In case of Top up, early settlement fee and processing fee of Top up amount will be waived.
TRUE
FALSE
DBBL Product Program Guidelines allow refinancing against a registered car.
FALSE
TRUE
Rate of interest of DBBL Retail Loans are fixed.
TRUE
FALSE
In case the applicant is the landowner of any DBBL Branch, ATM, Fast Track or any other DBBL Office and the rental income is assigned to DBBL, then co-applicant may include co-owner of the rented premises.
TRUE
FALSE
Personal loan can be disbursed to the customers current account.
TRUE
FALSE
Customer can avail more than one loan from DBBL if income and DBR supports.
TRUE
FALSE
Full time employee with minimum 1 year of total experience and minimum 3 months account payee salary reflection from present employer is required for Executive Line (EL) segment.
TRUE
FALSE
Professionals can apply for personal loan after minimum of 6 months service/practice in the profession.
TRUE
FALSE
Rental income is considered for assessing DBBL personal loan and DBBL car loan.
TRUE
FALSE
For 2nd year onwards insurance will be at customers jurisdiction for DBBL car loan.
TRUE
FALSE
Once the DBBL car loan is approved, applicant cannot change car quotation.
TRUE
FALSE
For changing car quotation BDT 500 will be charged once the dealer letter (purchase order) is issued.
TRUE
FALSE
In case of DBBL car loan the financed car will be registered under client's name only.
TRUE
FALSE
Maximum age limit for a borrower at the end of loan tenure is ________ years in case of a home loan.
60 years
65 years
70 years
67 years
What is the interest rate for a home loan (take over)?
9.50%
11%
10%
12%
What is the maximum amount for a home loan (Thikana)?
BDT 50.00 lac
BDT 200.00 lac
BDT 120.00 lac
BDT 100.00 lac
Businessmen fall under which category?
Executive Line
General Line
Power Line
Power Plus Line
Who are Special Category Customers by default?
Salaried executives with less than 5,000 account pay salary
Landlord/Landlady
Business individuals
DBBL VIP Banking Customers
Positive Title Search Report is not mandatory document.
TRUE
FALSE
Which one is the oldest survey khatian?
RS khatian
City jorip khatian
CS khatian
SA khatian
Which one is the latest khatian?
RS khatian
City jorip/BS khatian
CS khatian
SA khatian
For home loan construction purpose which documents mandatorily to be submitted before disbursement:
Original ownership deed
All original certified khatian
AC land mutation khatian
All of the above
Mortgage permission in favour of DBBL is required for leasehold property to execute mortgage?
Yes
No
In case of take over loan, registered mortgage in favour of DBBL will be executed before disbursement?
Yes
No
Tick the time period of undertaking for leasehold property.
60 days
90 days
30 days
15 days
Which documents must be submitted before disburse a home loan file?
Legal opinion
Valuation
Title Search Report
All of the above
What is the purpose of home loan?
To buy new or old residential house/flat
To construct/extend of commercial house/apartment
To renovate/alteration of existing commercial house/flat
Refinance of an own availed flat/house (date of purchase/handover no later than 2 years)
What is the minimum and maximum age limit for applying home loan?
Minimum age of applicant: 20 years and maximum age of applicant: 80 years
Minimum age of applicant: 18 years and maximum age of applicant: 70 years
Minimum age of applicant: 22 years and maximum age of applicant: 80 years
No age limit
What is the maximum loan amount for renovation purpose?
For renovation: Maximum BDT 55,00,000/-
For renovation: Maximum BDT 20,000,000/-
For renovation: Maximum BDT 85,00,000/-
For renovation: Maximum BDT 50,00,000/-
Home loan processing fee will be waived for following customer?
Power Line customer
Take over customer
Power Plus Line customer
General Line customer
What is the minimum income level for applying home loan?
BDT 50,000/-
BDT 40,000/-
BDT 30,000/-
BDT 20,000/-
Satisfactory CIB report is mandatory to avail a retail home loan, car loan or personal loan.
No
Yes
Optional
May be required
What is the percentage (%) DBR to avail home loan for income level upto BDT 49,999/-?
60%
50%
70%
80%
What is the maximum LTV(Loan to Value) allowable for home loan?
50%
55%
70%
80%
What is the overdue charge of home loan?
Additional 1%
Additional 2%
Additional 1.5%
Additional 3%
Partial pre-payment in home loan allowed.
TRUE
FALSE
Home loan can be availed against cash security.
TRUE
FALSE
What is the interest rate of home loan re-finance?
10%
11.50%
9.75%
9.50%
Home loan can be provided to foreigners.
TRUE
FALSE
Valuation of the proposed mortgaged property is not required for home loan.
TRUE
FALSE
Legal vetting is not required for cash covered home loan.
TRUE
FALSE
Cost estimation is a mandatory document for flat purchase.
TRUE
FALSE
If minimum 30% of the work is completed at the time of the facility, projected income can be considered.
TRUE
FALSE
Maximum undertaking period of AC land mutation and IPA.
60 days
90 days
120 days
30 days
Site visit report is not required for processing home loan.
TRUE
FALSE
Secured Overdraft loan is provided to the customer against which of the following?
FDR
Mortgaged property
DPS
Both FDR & DPS
Secured Overdraft loan is a term loan ranging from 1 to 5 years.
TRUE
FALSE
What is the minimum age to avail Secured Overdraft loan?
18 years
20 years
25 years
None of the above
What is the maximum LTV for SOD loan?
70%
50%
90%
100%
Secured overdraft loan is renewed after?
3 months
6 months
9 months
12 months
Interest of Secured Overdraft loan is accrued after :
3 months
6 months
9 months
12 months
What is the minimum & maximum limit for full secured loan?
Minimum 50,000 & Max unlimited or LTV 95% (whichever is higher)
Minimum 45,000 & Max unlimited or LTV 95% (whichever is lower)
Minimum 10,000 & Max unlimited or LTV 95% (whichever is lower)
Minimum 45,000 & Max unlimited or LTV 90% (whichever is higher)
What are the maximum times can be offered to teachers regardless of income range under personal loan?
19
21
23
25
What is the processing fee of home loan upto Tk 50 lac?
Maximum 0.50% or Tk 15,000/- whichever is lower
Maximum 0.30% or Tk 15,000/- whichever is higher
Maximum 0.50% or Tk 15,000/- whichever is higher
Maximum 0.30% or Tk 15,000/- whichever is lower
What is the processing fee of home loan above Tk 50 lac?
Maximum 0.30% or Tk 20,000/- whichever is lower
Maximum 0.30% or Tk 15,000/- whichever is higher
Maximum 0.50% or Tk 15,000/- whichever is higher
Maximum 0.30% or Tk 20,000/- whichever is higher
What is the validity period for disbursement of approved home loan?
2 months
4 months
6 months
8 months
After 6 months of approval, re-approval is required to revive the home loan facility until 7 months of approval date.
True
False
What is the minimum amount can be offered to a customer as home loan?
BDT 100,000/-
BDT 200,000/-
BDT 300,000/-
BDT 400,000/-
What is the reduced interest rate of home loan with 50% and above cash security?
0.40%
0.50%
0.60%
0.30%
Secured Overdraft loan is provided to the customer against which of the following?
FDR
Mortgaged property
DPS
Both FDR & DPS
