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+९७७ १ ५९७१८७१, +९७७ १ ५९७००१५
क्विक लिंक
NE

Auto Loan

नयाँ गाडी चढ्ने तपाइँको सपना साकार पार्न नबिल बैंकले ल्याएको छ सवारीसाधन कर्जा । सरल र सहज कर्जा प्रक्रियाद्वारा सवारी कर्जा लिई नयाँ गाडीमा घुम्ने सपनालाई मूर्त रुप दिनुहोस् ।
साथसाथै यदि तपाइँको आफ्नै व्यवसायिक सवारीसाधन हुने र यातायातसम्बन्धी व्यवसायलाई अझ सफल बनाउने सधैंको सपना हो भने तपाइँ सही स्थानमा हुनुहुन्छ । हाम्रो नयाँ व्यवसायिक सवारीसाधन खरीद गर्न दिइने वा प्रयोग भएको व्यवसायिक सवारीसाधनमा पुन: कर्जा दिने सवारीसाधन कर्जा सुविधा लिई आफ्नो आवश्यकताहरु पूरा गर्नुहोस् ।

विशेषता

Attractive and Competitive Interest Rate

Quick loan processing with simplified documentation

Flexible loan tenure of up to 7 years

Equated Monthly Installment (EMI) based loan

Interest is charged on the reduced principal outstanding

Personal counseling throughout the process

Customized and flexible financial solutions

Loan processing from wide range of branch networks

Preview of Loan

PurposeLoan AmountLoan TenureFinancing Ratio
New Vehicle (Private)Up to NPR 8 millionUp to 7 YearsUp to 60% of VAT Bill
New Vehicle (Commercial)-Fuel BasedNot ApplicableUp to 6 YearsUp to 70% of VAT Bill and land and/or building with minimum 50% Distress Value covering the loan size
Used Vehicle (Private/Commercial)Up to NPR 8 million6 years but the age of the vehicle should not exceed a maximum of seven years at the time of loan maturityUp to 50% of the value of the vehicle at the time of valuation
Refinance (Terminating Line)Up to NPR 8 millionRemaining tenure with BFIs st the time of takeover but age of the vehicle should not exceed a maximum of seven years from the date of registration or at the time of loan maturityUp to 50% of the value of the vehicle at the time of valuation
Electric VehicleUpto 8 millionUpto 7 yearsUpto 60% of VAT bill
Commercial Vehicle-EVNot ApplicableUpto 6 yearsUpto 60% of VAT bill

 

Terms & Conditions

  • Equated Monthly Installment (EMI) of the borrower should not exceed 50% of the borrower’s Gross Income after deducting other loan obligations
  • Disclosed income must be substantiated by the transaction volume of the Bank account along with tax paid receipts
  • Two years experience in the field of commercial transport operation is mandatory (For both registered and unregistered transport operators)

Fees & Charges

ParticularsCharges
Loan Administration Fee

0.75% of the loan amount 

 

Commitment Fee

0.15% of the unutilized limit

Prepayment Fee
Prepayment Time PeriodRate of Prepayment
Within 2 years from the date of
disbursement		0.75% of the prepaid
amount
From 2 to 5 years from the date
of disbursement		0.375% of prepaid amount
 
After 5 years from the date of
disbursement		0.15% of prepaid amount

For Fixed Interest Rate Loans, Prepayment fee of 0.75% on prepaid amount shall be applicable.

Note: The above rates are subject to change at the direction of the regulator 

CIC Charge

On Actual Basis

All other charges as per directives issued by Nepal Rastra Bank. 

 

Eligibility

The age of the applicant/co-applicant should be minimum of 21 years at the time of loan origination and the maximum age at the time of loan maturity can be 70 years.

  • All individuals having a sufficient level of income to repay EMIs.
  • Salaried individual - Should be in permanent service.
  • Self Employed individual – Business should be at least 2 years in commercial operation.
  • Registered and Unregistered transport operators-List of owned vehicles along with renewed blue book copies.

आवश्यक कागजातहरु

Identification

  • Photograph (2 copies each)
  • Citizenship and/or Passport
  • Relationship Certificate (if applicable)
  • Marriage Certificate (if applicable)
  • Bank (deposit & loan) account statement of at least 6 months
  • Firm/Company Registration Certificate (if applicable)
  • PAN/VAT Certificate (If applicable)
  • Article of Association (AOA) and Memorandum of Association (MOA) (if applicable)
  • Partnership Deed (if applicable)
  • PAN Certificate of the individual (for Loan amount above NPR 2.5 million)
  • Location Map (Residence & Office)​

Income Source

  • Salary certificate
  • A rental agreement along with tenant’s identification (if any)
  • Audited financials of last 2 fiscal years (For business income) Pension document
  • Copy of renewed/valid blue book of the commercial vehicle along with route permit (For commercial vehicle income)
  • Salary certificate, work permit, valid passport with visa, payslip, and/or bank account statement (For foreign employment income)
  • Latest tax paid receipt or tax clearance certificate for all income (where ever applicable)