City Bank Home Loan Calculator
Estimate your monthly City Bank home loan payment at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with City Bank. "City Bank" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
City Bank home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| City Bank | 13.50% p.a. | up to 15 years |
Bangladesh Bank policy 9.5% (cut from 10% on 2 August 2026). Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: ৳5,000,000 City Bank home loan at 13.50% for 15 years.
- Monthly payment: ৳64,916
- Total interest: ৳6,684,867
- Total payable: ৳11,684,867
Frequently Asked Questions
What is the City Bank home loan rate?
City Bank home loan rates are around 13.50% p.a. as a 2026 reference. Bangladesh Bank policy 9.5% (cut from 10% on 2 August 2026). Your exact rate depends on your profile and deposit.
How is the City Bank monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.
City Bank's Declared Home Loan Rate
City Bank PLC's lending rate schedule effective 1 July 2026 declares residential housing loan rates to individuals at 11.00% p.a. Developer/contractor construction financing is declared higher, at 13.50% p.a. This revision came about a month before Bangladesh Bank's 2 August 2026 policy rate cut from 10% to 9.5%.
Worked Example: City Bank Residential Housing Loan
BDT 6,000,000 at 11.00% over 20 years (240 months): r = 0.11/12 = 0.0091667, (1+r)240 ≈ 8.9599.
M ≈ BDT 61,931 per month. Total repayment ≈ BDT 1,48,63,000; interest ≈ BDT 88,63,000.
Frequently Asked Questions
What is City Bank's current home loan interest rate?
Per City Bank PLC's declared lending-rate schedule effective 1 July 2026, the rate for individual residential housing loans is 11.00% p.a.; developer/contractor commercial housing construction financing is 13.50%.
Does City Bank charge the same rate in urban and rural areas?
Yes, City Bank's declared rate for individual residential housing is quoted the same for both urban and rural areas.
How often does City Bank update its declared home loan rate?
City Bank republishes its declared lending-rate schedule periodically — the most recent one is effective 1 July 2026 — so borrowers should check the current schedule rather than relying on older figures.