13.00%

Fixed Rate

12.00%

Floating Rate

Expand Your Business Horizons with T Bank Trade Loan

Bhutanese citizens having valid business license wishing to expand existing business for the purpose of trade and commerce.
The loan should be backed by the fixed assets.
The loan limit can be computed by adding the stock/contract value and security value.
Insurance is mandatory for loan against stocks.

The maximum LTV is 75% of the collateral value & stock value; however, the loan limit should not exceed the immovable property value.

Loan Application form duly filled and signed on all the page
Copy of citizenship identity of the applicant and guarantor, if applicable
Recent passport size photograph of the applicant and guarantor
Copy of ownership certificates of securities offered to the bank
Property valuation/assessment/estimate certificates
Copy of valid trade license
Income and expenditure / Profit and Loss and Balance sheet for the last two years (preferably audited, if applicable)
Projected sales and purchases for the next 12 months
Letter of Consent for extension of charges (only fixed assets) duly signed by the property owner, if applicable
Approved drawings for the new projects if applicable.
Stamped Consent/No Objection letter for family-owned land, family tree (household) register issued by Department of Civil Registration and Census, MoHCA (if applicable).
Stamped and witness consent letter for extension of charges duly signed by the property owner, if applicable.

Bhutanese citizens having valid business license wishing to expand existing business for the purpose of trade and commerce.
The loan should be backed by the fixed assets.
The loan limit can be computed by adding the stock/contract value and security value.
Insurance is mandatory for loan against stocks.

The maximum LTV is 75% of the collateral value & stock value; however, the loan limit should not exceed the immovable property value.

Loan Application form duly filled and signed on all the page
Copy of citizenship identity of the applicant and guarantor, if applicable
Recent passport size photograph of the applicant and guarantor
Copy of ownership certificates of securities offered to the bank
Property valuation/assessment/estimate certificates
Copy of valid trade license
Income and expenditure / Profit and Loss and Balance sheet for the last two years (preferably audited, if applicable)
Projected sales and purchases for the next 12 months
Letter of Consent for extension of charges (only fixed assets) duly signed by the property owner, if applicable
Approved drawings for the new projects if applicable.
Stamped Consent/No Objection letter for family-owned land, family tree (household) register issued by Department of Civil Registration and Census, MoHCA (if applicable).
Stamped and witness consent letter for extension of charges duly signed by the property owner, if applicable.