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Professional Loan

With this loan, professionals can manage their financial need. This loan is provided to professionals up to 48 months’ basic salary amount against mortgaged collateral. 

Professional term Loan-Maximum 10 years or age of retirement whichever is less 
Professional overdraft- one year subject to annual renew/review.

Eligibility

  • Any professional Nepalese citizen having 19 years at the time of loan origination 
  • Civil servants, permanent employee of public enterprises, banks and financial institutions, insurance companies and local government.
  • 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.

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 Sampanna/abhilekhikaran paper

3. Income Related 

  • Salary certificate with bank statement. 
  • Appointment letter.
  • Probation completion letter.
  • PAN of borrower for loan Rs.50 lakh and above