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क्विक लिंक
NE

Education Loan

तपाइँले विदेशमा गएर अध्ययन गर्ने सोचिरहनु भएको हुन सक्छ । हामी सरलीकृत शैक्षिक कर्जा उपलब्ध गराउछौं जस्को लक्ष्य भनेको उच्च शिक्षा हासिल गर्ने विद्यार्थीहरुलाई कर्जा दिनु हो । हाम्रो कर्जा व्यवस्थासँगै अब तपाइँ केवल आफ्‍नो छनौटको कोर्ष लिने कुरामा केन्द्रीत हुनुहोस् र राम्रो शिक्षा पाउनुहोस् । 

कर्जा प्रकृयाका लागि अब कलेजको अफर लेटर कुर्न आवश्यक छैन । कलेजको वेवसाइटबाट लिन सकिने कोर्षको विवरण र यसको लागत प्रमाणित गर्ने कागजात, स्व:घोषणा वा परामर्शदाताको सूचना भए पुग्छ ।

यो नयॉ अभ्यासले औपचारिक अफर लेटर पाउनु भन्दा अगावै कर्जा प्रकृया शुरु गर्न तपाइँलाई सक्षम बनाउछ जस्ले कर्जा प्रकृयाका लागि समय बचत हुनुका साथै शैक्षिक सत्रको अवधिमा हुने दौडादौडबाट समेत बचाउँछ । 

विशेषता

Loan size up to NPR 10 million

Flexible repayment options up to 20 years

Attractive & Competitive Interest Rate

Moratorium period up to maximum of 4 years or course duration whichever is earlier

Personal counseling throughout the process

Simplified documentation requirements

Quick approval & transparent loan processing

The loan will be disbursed as per institutions' (Colleges/Universities) fee structure

Loan processing from wide range of branch networks

Eligibility

  • Age of the applicant should be minimum of 18 years at the time of loan origination and the maximum age at the time of loan maturity can be 70 years.
  • The plot should have at least 8 feet wide road with motorable access.
  • The plot should be free from Guthi and/or Mohi.
  • The plot should be far away from the high tension line.
  • The plot should be not be owned by third-party collateral.

Terms & Conditions

 Identification

  • Equated Monthly Installment (EMI) of the borrower should not exceed 50% of the borrower’s Gross Income after deducting other loan obligations.
  • All the income sources documents provided should also be justified by the transaction volume of the borrower in the Bank’s Account.
  • The property proposed for the mortgage should have at least 8 feet wide motorable access. If the property is 1 ropani or above in area then 10 feet wide motorable access is required. In the case of Education Loans for Australia and New Zealand destinations, property having 4 feet access can be considered if the property is located in Kathmandu/Lalitpur Metropolitan city.
  • In the case of an Education loan for Australia and New Zealand destinations, the customer can prepay the outstanding amount within one year time but the loan should be active for at least 1 year as such file closure and property release before one year is not allowed except visa rejection case. Prepayment change will not be applicable in case of visa rejection.

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. 

 

आवश्यक कागजातहरु

Security/Collateral

  • Land Ownership Certificate (Lalpurja)
  • Rajinama or Bakaspatra or Ansha-banda
  • Malpot Receipt
  • Tax clearance of building
  • Blue Print and trace map
  • Char Killa Pramanit
  • Approved house map
  • Nirman Sampanna Patra/Abhilekhikaran
  • Ghar Kayam in Lalpurja in case of existence of the house
  • Photograph (2 copies each)
  • Citizenship and/or Passport
  • Relationship Certificate
  • Marriage Certificate
  • Bank (deposit & loan) account statement of at least 6 months
  • Firm/Company Registration Certificate
  • PAN/VAT Certificate
  • Article of Association (AOA) and Memorandum of Association (MOA)
  • Partnership Deed
  • PAN Certificate (Loan amount equal or above NPR 5 million)
  • Offer Letter/I-20 from Education Institutions (Colleges/Universities) Course of Enrollment (CoE) Letter from Education Institutions (Colleges/Universities) (In case of Visa Extension)
  • Immigration Letter from Australian High Commission (In case of Visa Extension)
  • No Objection Certificate from Ministry of Education (MoE) Location Map (Residence & Office)

Income Source

  • Salary certificate
  • Rental agreement (If any) along with tenant’s identification
  • Audited financials of last 2 fiscal years (For business income) Pension document
  • Copy of renewed/valid blue book of the vehicle along with route permit (If income is from the commercial vehicle)
  • Salary certificate, work permit, valid passport with visa, payslip, and bank account statement (If income is from foreign employment)
  • Equated Monthly Installment (EMI) of the borrower should not exceed 50% of the borrower’s Gross Income after deducting other loan obligations
  • Valid tax paid receipts/tax clearance certificates for justifying income (where ever applicable)