Mortgage Loan
तपाइँको आर्थिक आवश्यकता पूरा गर्न सजिलो कर्जा खोजिरहनु भएको छ ? आफ्नो सपना साकार पार्न अब पर्खिरहनु पर्दैन । नबिल धितो कर्जा प्रयोग गरि आफ्नो हरेक आर्थिक आवश्यकता पुरा गर्न सक्नुहुन्छ र आफ्नो सपना साकार भएको देख्न सक्नुहुन्छ ।
तपाइँको मौजूदा सम्पत्तिबाट आजै धितो कर्जा पाउनुहोस र आफ्नो सम्पत्तिको सम्भाव्यतालाई खोल्नुहोस् ।
विशेषता
.png)
Loan size upto NPR 30 million
Specially designed customized products
.png)
Multi-purpose loan
Attractive and Competitive Interest Rate
Quick loan processing with simplified documentation
Flexible loan tenure (Up to 35 years)*
Equated Monthly Installment (EMI) based loan
Interest is charged on the reduced principal outstanding
Excellent Financing Parameters such as limit, tenure, ratio, etc.
Personal counseling throughout the process
Loan processing from a wide range of branch networks
Loan size up to NPR 30 million
Terms & Conditions
- Equated Monthly Installment (EMI) of the borrower should not exceed 50% of the borrower’s Gross Income after deducting other loan obligations
- Loan to value should be 50% of the fair market value of the property as per NRB's guidelines. LTV however shall not be more than 80% of distress value.
- Disclosed income must be substantiated by the transaction volume of the Bank account along with tax paid receipts
- In case of existence of building or construction financing, the building to be insured against Fire, Earthquake, Terrorism, etc as applicable with the Banker’s Clause for the full value
- 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.
*The age of the applicant/co-applicant should be minimum of 18 years at the time of loan origination and the maximum age at the time of loan maturity is up to 70 years.
Fees & Charges
| Particulars | Charges | ||||||||
| Loan Administration Fee |
0.75% of the loan amount
| ||||||||
| Commitment Fee |
0.15% of the unutilized limit | ||||||||
| Prepayment Fee |
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
- 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
- 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 high tension line
- Third-party collateral is not acceptable
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 5 million)
- Location Map (Residence & Office)
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 house
Income Source
- Salary Certificate
- 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 commercial vehicle along with route permit (For commercial vehicle income)
- Salary certificate, work permit, valid passport with visa, pay slip and/or bank account statement (For foreign employment income)
- Latest tax paid receipt or tax clearance certificate for all income (where ever applicable)