Home Loan

Eligibility 

• Any Nepalese citizen having 18 years at the time of loan origination

• Salaried /self-employed individual

• Should have At least 8 ft wide motor able access of proposed land/building.

Documents Required:
1. Identification Related 

• Personal identification of borrower and guarantors

• Photograph  of borrower and guarantor

• Family details from concerned local authority.

• Firm registration certificate (if business income)

• PAN/VAT certificate (if business income)

• Partnership deed (if business income)

2. Collateral Related 

• Land ownership certificate

• Land revenue receipt

• Rajinama/Bakaspatra/Anshabanda paper etc

• Ward map and File map of collateral

• Four boundaries (charkilla)

• Approved house map from local authority.

• Nirman Ijajat of constructing building

• Nirman Sampanna/abhilekhikaran paper

3. Income Related 

• Salary certificate and bank statement.

• Appointment letter/Contract Paper.

• Rental agreement with tenant identification (if rent income)

• Rental tax receipt

• Pension Patta (if pension income)

• Audited financial statement of last year and projection of coming year (if business income)

• Tax clearance certificate/receipt for income

• If foreign income, Passport, Visa, Salary certificate, Contract paper, salary receipt/ bank statement of salary, documents of remit to Nepal etc.

• PAN of borrower for loan Rs.50 lakh and above