Easy home loan in Nepal

0

Home loan helps to fulfill your dreams  of owning a house or renovation appart  purchase,or buying land   or purchase of home appliances.

 

Documentary Requirements:

• Passport size photographs of Applicant/Co-Applicant/Guarantor/s
• Photocopy of Citizenship certificate/Passport (only in case if a citizenship certificate is not available) of Applicant, Co-applicant & Guarantor
• Copy of Bank Account Statement for 3-6 months period
• Photocopy of “Land/Apartment Ownership Certificate” (Lalpurja)
• Photocopy of “Land/Transfer Deed” (Rajinama) and/or other legal documents validating Lalpurja
• Photocopy of “Land Revenue Receipt” (Malpot Receipt) for the latest Fiscal Year
• Tax Clearance of building including payment voucher/receipt.
• Renewed copy of blue book for unregistered transport operator with income statement Original ” Blue Print of the land” (Napi Naksa)
• Four Boundary disclosure (Char Killa Pramanit)
• Photocopy of Approved House Map from Municipality/VDC (Naksa Pass)
• Citizenship of the seller in case of Land and/or Building purchase
• Business registration certificate, PAN Registration Certificate, License from concerned authority etc (only if applicable)
• Memorandum & Articles of Association, partnership deed etc. (only if applicable), Board resolution to borrow, paper disclosing percentage of ownership/shareholding
• Audited Balance Sheet and Profit & Loss Account/Income & Expenditure Account covering latest 2 fiscal years (only if applicable)
• Detail breakdown of the cost estimation (in case of construction) i.e. Bill of quantity
• Photocopy of “Certificate of Construction” from Municipality/VDC in case of purchasing House or Mortgage Loan (Nirman Sampanna Pramanpatra)
• Agreement with Developer/Builder
• A letter from employer disclosing gross salary/net take home pay and pension statement for pensioner (wherever applicable)
• Rental contract with identification document of tenant and ownership certificate of the rented land and/or building or apartment
• In case of mortgage of land and building, the building should be mentioned in the Lalpurja (Ghar Kaayam)
• Renewed copy of blue book & road permit for unregistered transport operator with income statement (if applicable)

 

  • Loan Application.
  • Map of the applicants’/sponsor’s/guarantor’s residence.
  • Net worth statement of the applicant/guarantor/sponsor, as applicable.
  • Rajinama paper, where applicable.
  • Primary documents related to the property being financed viz. title deed, four boundary certificate, trace map, drawings of building to be constructed, building construction permission letter from competent authority, latest revenue receipt of land or land and building offered as security. In case of loan secured against building within a municipality, documents certifying fulfillment of required standards set by the competent authority such as approved drawing (Naksapass), approval from concerned authorities and building construction completion certificate.
  • Income statement or cash flow of the applicant or sponsors – following proof for substantiation of the income or cash flow should be submitted:
    • In case of salaried individuals
      • Certification of salary or salary statement, tax paid receipt from the employing organization/company.
      • Bank statements, as applicable.
    • In case of self- employed professionals
      • Registration document from concerned professional association/council.
      • Details of income.
      • Bank statements, as applicable.
    • In case of self- employed businessman
      • Business Registration Document.
      • Income Tax Certificate.
      • Latest Audited Financial Statements.
      • Bank statements, as applicable.
    • In case of other sources
      • Latest lease payment receipt or agreements, title deed of property, as applicable.
      • Details of other lease income.
      • Pension slip, interest received statement etc.
      • Bank statements, as applicable.

 

Banks have their own type of policy & proccess,and management fees system,payment system,loan capacity,

Major banks and financial institutions provides this services ,but if you are interested for home loan in easy and comfort process contact following banks.

August 9, 2018 |

Leave a Reply

Your email address will not be published. Required fields are marked *

Copyright 2015 by Nepal Construction. All Rights Reserved.
Skip to toolbar