Personal Overdraft
नेपाल राष्ट्र बैंकको निर्देशिकाको सीमा भित्र रही जग्गा र भवनको धितोमा अधिविकर्ष सीमा सुविधा उपलब्ध गराइन्छ । सरल कर्जा प्रकृयाका साथै सजिलै चुक्ता गर्न सकिने यस अधिविकर्ष कर्जाले तपाइँको लगानी वा अन्य भैपरि आउने आर्थिक आवश्यकताहरु पुरा गर्न सघाउँनेछ ।
विशेषता
Attractive & Competitive Interest Rate
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Loan size of up to NPR 5 million
Annual renewable
Personal counseling throughout the process
Simplified documentation requirements
Quick approval and transparent loan processing
Loan processing from wide range of branch networks
Benefits
- Convenient source of fund to manage payments to business units until proceeds of sales are realized
- Revolving credit facility for the availability of funds at all times
- Interest charged only on funds utilized
- Continuous guidance & advisory services through dedicated relationship managers
Terms & Conditions
- Loan to value should be 50% of the fair market value of the property or as per NRB's guidelines. LTV however shall not be more than 80% of distress value.
- Interest to be served on a monthly basis whereas principal to be serviced on an annual basis if not renewed at maturity/expiry.
- The total monthly repayment obligation of the borrower should not exceed 50% of the borrower’s gross income after deducting other bank's EMI obligation if any.
- Disclosed income must be substantiated by the transaction volume of the Bank account.
- In case of the existence of building or construction financing, the building is 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.
Fees & Charges
| Particulars | Charges |
| Loan Administration Fee |
0.75% of the loan amount
|
| Commitment Fee |
0.15% of the unutilized limit |
| CIC Charge |
On Actual Basis |
All other charges as per directives issued by Nepal Rastra Bank.