National Housing Finance and Investments Limited

The Company National Housing Finance And Investments Limited, a Non-Banking Financial Institution (NBFI), was incorporated on August 18, 1998 as a public limited company under the Companies Act, 1994 and obtained license from the Bangladesh Bank on 19th December, 1998. Date of commencement of business of the company is August 18, 1998. Nature of the business National Housing Finance And Investments Limited was incorporated with a view to provide services in the following arena: Finance for the purpose of acquisition of land. Finance for Purchase or construction of buildings for industrial, commercial, residential purposes. Finance for renovation or improvement of existing industrial, commercial and residential units. Provide Term finance and lease finance to companies, institutions and other corporate bodies. Take part in the formation, management, supervision or control of business or operation of any industrial, commercial or financial undertaking. Accept deposit on various attractive schemes and grant loans against its deposit schemes. Mission of the Company National Housing Finance And Investments Limited has been relentlessly providing quality services and atmosphere to its customers; thereby, enriching the society and human resources. The Company's missions are: To be Equal Housing Lender to all, irrespective of cast, creed and sex. To offer quickest service to the satisfaction of clients with the latest technology. To create innovative products to cater to the market needs at competitive price.

Principal Products and Services National Housing Finance And Investments Limited has already launched various products and services since inception. The principal products and services of the Company are mentioned below: I. Mortgage Loan: The Company offers mortgage financing for construction, development and purchase of houses, plots, apartments, real estates, commercial spaces etc. Repayment occurs in the form of Equated Monthly Installments (EMI) comprising of principal and interest. The Company

offers mortgage financing for a maximum of 15 years and the interest rate for the EMIs are reviewed based on the prevailing market interest rate. II. Lease Finance: The Company has recently begun its lease financing services for Industrial Equipment, Office Equipment, Corporate Vehicle etc. at attractive terms and installments. III. Term Loan: The Company also offers term loans of different tenures at competitive rates to the satisfaction of its clients IV. Working Capital and Work Order Finance: The Company offers working capital and work order finance to various borrowers to grow their businesses. V. Deposit Schemes: The Company offers various deposit schemes in accordance with its clients' suitability and needs effective from 1st April 2005. Income Account, Term Deposit Account and Double Money Account are the lucrative deposit schemes of The Company as described below: a) Income Account: This scheme offers a fixed monthly, quarterly, or half-yearly income on the deposit for a period of two years with a minimum deposit requirement of Tk. 100,000/-. The depositors are offered to enjoy a regular cash flow during the term keeping their deposit intact, which is receivable at the end of the term. b) Term Deposit Account: It offers attractive return to the depositors on a minimum deposit of Tk. 50,000/- The principal along with interest are paid at the end of maturity which ranges from 1 to 3 years. This scheme is attractive to the depositors as they can earn higher return due to the interest compounded over the periods till maturity. c) Double Money Account: Depositors are offered to double their deposit in 96 months with a minimum deposit of Tk. 50,000/- in this scheme of The Company. d) Monthly Savings Scheme: It allows people to save in affordable installments and enjoy an attractive return at the end of the tenure. The savings tenure are of 3 and 5 years. e) Millionaire Savings Scheme: It offers the depositors to save in equal installments in every month until seven or ten years. At the end of the savings tenure, the depositor becomes millionaire.