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Dream on! We will take you there. With that aim, we have brought Home Loan scheme to make your dreaming of your own sweet home comes true. You just need to step inside to make your dream come true. Information that you need to know to make your decision is mentioned below.
Product Purchase Options:
Purchase of Land
Purchase of Individual house or Apartments
Construction of Buildings
Renovation / Extension
Drawdown up to 66% of the FMV of the property for purchase of land, individual house or apartments
Drawdown up to 100% of the construction cost
Interest Rate/Other Fees:
Interest: As determined by the bank. Current rate: 10.49 % p.a.
Fees : 1% Processing fee
From 3 Years to 20 Years
Passport size photo of applicants / guarantor
Copy of citizenship document of borrowers / guarantor
Copy of Land ownership document (lal purja)
Copy of Transfer deed (Rajinama)
Blue Print of Land
Building construction approval from Municipality / VDC along with drawing plans (applicable where building is involved).
Char Killa (four boundary)
Land revenue tax (malpot receipt)
Income certifying document (salary letter, balance sheet, rental agreement etc)
Firm / company registration and PAN in case of business entity.
Valuation report from Bank's approved valuators.
Tripartite agreement or fourth party agreement between bank, developer and borrower
Applicable for loans applied for construction purposes
Bill of Quantity (Cost Estimate) provided by the applicants' Consultant / Engineer / Builder or Developer
Copy of Building Permit (Naksa Pass) from related authority (Municipality, VDC etc.)