মালদা জেলা কেন্দ্রীয় সমবায় ব্যাঙ্ক লিঃ
The object of the policy is to provide fund to the Individual (Salaried & Non-Salaried) for the following purpose: i) Construction of house/ flat; ii) Purchase of built house/flat iii) purchase of under construction house/flat iv) Construction for additions to the house.
a) Teaching and Non -Teaching staff - A permanent salaried employee of any Govt. Sponsored Secondary / Primary School or Sr./Jr. Madrasah / College whose salary is disbursed in our bank account through salary disbursement arrangement under e-PRADAN system.
b) Employees of other Govt. / Semi Govt. / Statutory Bodies- If there is any specific arrangement with concern department following the West Bengal Govt. E-Payment of Salary Scheme (ePS) (Finance Department Audit Branch Notification No 6621 (F)Y Dated : 29th June, 2011) and extended to a permanent salaried Central Govt. employee drawing salary from our Bank.
c) Para Teachers / Part Time Teacher - Para Teachers / Part Time Teacher of Govt. Sponsored Secondary / Primary School or Sr. / Jr. Madrasah / College whose jobs are declared as permanent in nature by the Govt. of West Bengal and drawing salary from our Bank.
d) Non-Salaried person- A person whose salary arrangement is not with our Bank and any other Individual who has sufficient repayment capacity.
a) Teaching and Non -Teaching staff - Total deduction per month inclusive of the instalment is restricted to 60% (Inclusive ECCS loan) of gross pay. Whereas, in deserving cases, where Gross Salary is `35,000/- or more, such deduction may be relaxed up to 70% (Including ECCS Loan)
b) Employees of Govt. / Semi Govt. / Statutory Bodies - Total deduction per month inclusive of the instalment is restricted to 60%.
c) Para Teachers and Part time Teachers - Domicile in Malda District- Total deduction per month inclusive of the instalment is restricted to 50%.
i) The loan may be issued single or jointly as a co-borrower. ii) Service period of Salary Account holder drawing salary from our Bank should not be less than 3 Years. iii) Loan may be taken more than one time.
Minimum age- 18 Years and Maximum Age -55 Years
Repayment period of salary account holder restrict to 6 months prior to their retirement.
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