Home Loans

Home loan assists the NRNs who have been seeking to purchase plots & building, house constructions and renovation or repair of their existing homes in Nepal by fulfilling their funding needs.

Facility is available for

• Purchase of land/house, apartment
• House construction, renovation/extension, refurbishing of existing house
• Loan takeover of Home Loan already financed by other Bank and Financial Institutions

Loan Features

• Tenure: Flexible up to 25 Years
• Service Charge: 1% on approved loan limit
• Financing: Maximum up to NPR 30 million

Eligibility Criteria

• Working Professionals
• Salaried Individuals
• Self-Employed Individuals

Required Documents

• Citizenship certificate
• Passport size photographs
• Land ownership certificate (Lal Purja) with Rajinama/Bakaspatra etc.
• Land revenue and property tax paid receipt (recent)
• Approval of construction, approved house map and construction completion certificate (as appropriate)
• Blue Print, Trace Map and Four Boundary Disclosure (char killa) of land
• Bank account statement for at least 3 – 6 months’ time
• Recent Salary Certificate
• Rental agreement (if any) with an identification of tenant
• Copy of blue book of vehicle (in case of vehicle income)
• Firm/Company Registration, PAN, Article & Memorandum of Association, P/L statement and Balance Sheet of firm/company (in case of business income)
• Valid passport/visa, work permit, employment/salary certification from the employer, recent pay slip/bank account statement etc in case of foreign employment
• Personal PAN card is required if loan amount is NPR 10 million and above