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घर कर्जा

घर कर्जाको बारेमा

उद्देश्य

  • जग्गा र भवन / फ्ल्याटको खरिदमा वित्त पोषण, भवन / फ्ल्याटको निर्माण / नविकरण, भर्खरै खरीद गरिएको भवन / फ्ल्याटको प्रतिपूर्ति लागत, अन्य बैंक / एफआईको राम्रो घर कर्जा आदि।

विशेषताहरु

1. Eligibility

  • Loan to Nepali citizen with identifiable and stable source of income

2. Target Customer

  • Employed /Self employed professionals
  • Employees of corporate business houses

3. Loan Amount

  • Minimum Loan amount: NPR 5 lakhs
  • Minimum Loan amount can be less than NPR 5 lakhs in case of Deprived Sector Home Loans

4. Debt service coverage ratio

  • Uncommitted monthly income to be atleast 2 times of proposed EMI

5. Disbursement

  • In case of purchase, full amount can be disbursed after completion of documentation; and in case of construction, phase wise disbursement.

6. Interest rate: Competitive interest rates. Click here

7. Collateral

  • Land and building for which housing loan is sanctioned

8. Nature of Facility

  • Non revolving and non-renewable

9. Tenure

  • Maximum tenure of 35 years

10. Repayment Modality

  • Equated Monthly Installments (EMI)

आवश्यक कागजातहरू

  • Duly filled loan application form of bank
  • Photograph and copy of citizenship of applicant and the guarantors
  • Detail of net worth of guarantors
  • Income source documents
  • Title deed of related property
  • Payment receipt of latest land revenue tax
  • Blueprint/trace map of land
  • Other related documents as necessary

द्रुत र सजिलो पहुँच