Personal Lending

Overview

We, at personal lending unit located at Lalitpur Branch, are committed to provide you with top-notch services when it comes to your personal financial needs. Whether you need to buy your dream house or your fast car, need to mortgage your house for money for any reason or need funds for household items, you are more than welcome. Please step in and feel the difference for your personal financial needs.

Please click links on this page for details of our services.

Auto Finance

We are committed to provide finance for purchase of your vehicles - be it for personal or commercial purpose. Please step into one of our branches and ride home in your new car. The following are the features of auto finance scheme.
S.N.
Products
Loan Amount
Loan Tenor

1
Private
3 lakhs to 60 lakhs
Upto 5 years to 7 years

2
Commercial
3 lakhs to 60 lakhs
Upto 4 years

3
Used
3 lakhs to 20 lakhs
Maximum 4 years

4
Refinancing
3 lakhs to 25 lakhs
Age of the vehicle should not exceed maximum 7 years at the time of loan maturity


Other Features
· Processing fee 1% of the loan amount payable upfront.
· Prepayment Allowed after 1 year only with prempayment fee
as 1% of the amount prepaid.
· Age Criteria from 21 years to 65 years at loan maturity.
Housing Finance

We are committed to provide finance for purchase or construction of your land and house so that you have a shelter of your dream. Please step into one of our branches and feel at home. The following are the features of housing finance scheme.

S.N.
Products
Loan Amount
Loan Tenor
Financial Ratio

1
Land Purchase
5 lakhs to 80 lakhs
upto 20 years
70% of distress value of property

2
Land & Building Purchase
5 lakhs to 80 lakhs
upto 20 years
70% of distress value of property

3
Construction
5 lakhs to 80 lakhs
upto 20 years
70% of construction cost

4
Renovation / Extension
3 lakhs to 15 lakhs
upto 20 years
70% of renovation cost

5
Refinancing (loan take over)
5 lakhs to 80 lakhs
upto 20 years
70% of distress value of property



Other Features:
· Collateral for all above products required
· At least 8 feet wide, motorable access to the land
· Land to be free of guthi or mohi
· Land to be far from high tension line
· Third Party Collateral - not acceptable

Prepayment & Service Charges
· 2% of amount prepaid before 1 year
· 1% of amount prepaid after 1 year
· Partial payment allowed after 1 year only
· Service Charge: 1% of loan amount up front

Loan Documentation Fee
· NPR 1,500 upto NPR 1 million loan
· NPR 3,000 upto NPR 10 million loan
· NPR 5,000 above NPR 10 million loan


NabilProperty

With NabilProperty, you can mortgage your property and borrow from us to use the funds for any purpose. The following are the features of NabilProperty.
Loan Amount
Loan Tenor
Financial Ratio
Age Criteria

5 lakhs to 50 lakhs
upto 10 years
70% of distress value of property
25 to 65 years at loan maturity


Other Features:
· Collateral required
· At least 8 feet wide, motorable access to the land
· Land to be free of guthi or mohi
· Land to be far from high tension line
· Third Party Collaeral-not acceptable

Eligibility: Any individual having steady regular income source.

Loan Documentation Fee
· NPR 1,500 upto NPR 1 million loan
· NPR 3,000 upto NPR 10 million loan
· NPR 5,000 above NPR 10 million loan

Prepayment Fee: 2% of amount prepaid before 1 year
1% of amount prepaid after 1 year

Partial payment allowed after 1 year only

Service Charge: 1% of loan amount up front

Age Criteria for co-applicant is 21 years at the time of application received and not older than 75 years at loan maturity

Personal Finance

With personal finance scheme, you will be able to borrow money to purchase household items. The following are the features of personal finance scheme.
Eligibility: Service holder having permanent service terms or contract basis at least covering the loan tenure and the employer should be in a position to provide an undertaking to transfer the fund to the Bank for EMI

Loan Amount 2 lakhs to 10 lakhs

Loan Tenure upto 3 years

Purpose: For the purchase of household items

Processing fee 1% of the loan amount payable up front

Prepayment Allowed after 6 months