Home Loan

For financing residential accommodation facility by way of Home Loan for Nepali individuals having identifiable and stable income source.

Loan Type: Term Loan

Purpose of the loan:

  1. Construction and furnishing of house on existing land.
  2. Purchase of land and construction of a house.
  3. Purchase of land & house.
  4. Purchase of flats/apartments/buildings developed by real estate developers.
  5. Purchase of land for residential purpose.
  6. Repair/renovation/additions/alteration of already owned house/flat/apartments.
  7. Purchase/construction of low cost housing.
  8. Re-finance of housing loan already financed by other Banks/FIs.

Loan Amount:

  • Minimum amount of the loan shall be NPR 100,000.00 (Rupees One Hundred Thousands only)
  • Maximum amount of the loan shall be NPR 50,000,000.00 (Rupees Fifty Million only)

Tenure: 25 years including a maximum moratorium period of 1 year.

Rate & Fee:

  • Interest Rate (Base rate + Premium) as decided by the Bank from time to time
  • Processing Fee As per STC.