Loans
Home Loan

INVESTING WITH US ENTITLES


Finance up to 70% of the total value for

  • Readymade Houses/Buildings
  • Construction of House/Buildings,
  • Readymade apartment, bungalow, duplex
  • Renovation and / or extension of building


Interest Rate

  • 14.00% per annum for up to 5 yrs.
  • 15.00% per annum above  5 yrs.

 

Tenure

  • Maximum of 15 years
  • Loan shall be terminated on /or before 60 years of age of the borrower.
  • Repayment: Equal Monthly Installments (EMI)

 

ELIGIBILITY

  • Age 18 years and above
  • Professionals, salaried individuals and self employed individuals, etc..
  • Nepali individuals
  • Access to the property should be not less than 8’ wide road


FEES AND CHARGES 

The following charges are to be levied


  • Management fee: 1% of loan amount
  • Documentation Fee: NPR 3,000.00 flat
  • Prepayment Fee:
    • 1% of pre-paid amount if prepaid within 5 years
    • 0.5% of pre-paid amount if prepaid after 5 years
  • CIB Charge: NPR 750.00 per page

 
 
Education Loan

INVESTING WITH US ENTITLES


Finance for

  • Tuition fee
  • Living expenses
  • Travelling expenses


Interest Rate:  12.50% per annum

Period: Up to the completion of the course or maximum period of 10 years, whichever is earlier

Repayment:      Equal Monthly Installments (EMI)


ELIGIBILITY

 

  • Acceptance letter from University / College / School
  • No objection letter from Ministry of Education
  • Nepali citizens
  • Borrower/Guardians should be Professionals, salaried individuals, self employed, etc. and their uncomitted monthly income to comfortably justify for EMI

 

FEES AND CHARGES
The following charges are to be levied

 

  • Management fee: 1% of loan amount
  • Documentation Fee: NPR 2,000.00  flat
  • Prepayment Fee: 1.00% of pre-paid amount
  • Commitment Fee: 1.00% of unutilized amount
  • CIB Charge: NPR 750.00 per page

 
 
Loan against Gold and Silver

INVESTING WITH US ENTITLES

 

Finance up to:

  • 70% for Gold Ornaments
  • 75% for Fine Gold

 

Interest Rate:
12% per annum
Interest to be paid on end of every month (as per Nepali calendar)


Period: Maximum 1 (one) year (if required – to be renewed every year from the Date of maturity)

 

Processing fee: 1.00% of total loan amount


Repayment: Can be repaid at any time


ELIGIBILITY

  • Age 18 years and above
  • Nepali citizens


FEES AND CHARGES
The following charges are to be levied


Prepayment Fee: NPR 100.00 if prepaid within one year
 
Vechile Loan

INVESTING WITH US ENTITLES


Finance upto 80% financing of the total value for the following

  • The purchase of New Private Vehicles
  • The purchase of New Commercial Vehicles

 

And upto 50% of the total value for

  • The purchase of Second Hand Vehicles (not exceeding 5 years old)


Interest Rate
Click for Interest Rate

Tenure

  • Maximum of 5 years
  • Loan shall be terminated on /or before 60 years of age of the borrower.
  • Repayment: Equal Monthly Installments (EMI)

 

ELIGIBILITY

  • Over 18 years of age
  • Nepali citizens
  • Professionals, salaried individuals and self employed individuals


FEES AND CHARGES

The following charges are to be levied


  • Management fee: 1% of loan amount
  • Documentation Fee: NPR 2,000.00 flat
  • Prepayment Fee: 1% of pre-paid amount
  • CIB Charge: NPR 750.00 per page

 
 



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