Govt. Reg. No. 191585
Narayanthan Rudreswor 0-5-0-0 house on sale rs 335 lakhs
Dhapasi 0-5-3-0 land on sale rs 40 lakhs/ana
Ghar Jagga Bazar

Documents to Submit

Required Documentation Checklist (as per NABIL bank)

1. Identification

  • Photograph (2 copies each)
  • Citizenship and/or Passport
  • Relationship Certificate (if applicable)
  • Marriage Certificate (if applicable)
  • Bank (deposit & loan) account statement of at least 6 months
  • Firm/Company Registration Certificate (if applicable)
  • PAN/VAT Certificate (If applicable)
  • Article of Association (AOA) and Memorandum of Association (MOA) (if applicable)
  • Partnership Deed (if applicable)
  • PAN Certificate (Loan amount equal or above 5 million )
  • PAN Certificate of the individual (for Loan amount above NPR 5 million)
  • Location Map (Residence & Office)

2. Security/Collateral

  • Land Ownership Certificate (Lalpurja)
  • Rajinama or Bakaspatra or Ansha-banda
  • Malpot Receipt
  • Tax clearance of building
  • Blue Print and trace map
  • Char Killa Pramanit
  • Approved house map
  • Nirman Sampanna Patra
  • Ghar Kayam in Lalpurja in case of existence of house

3. Income Source

  • Salary certificate
  • Rental agreement (If any) along with tenant’s identification
  • Audited financials of last 2 fiscal years (If business income)
  • Pension Certificate ( Patta)
  • Copy of renewed/valid blue book of vehicle along with route permit (If income is from commercial vehicle)
  • Salary certificate, work permit, valid passport with visa, pay slip and bank account statement (If income is from foreign employment)
  • Latest tax paid receipt or tax clearance certificate for all income (whereever applicable)

4 Other Requirements

Copy of Land Ownership Certificate of residential house (where ever applicable)

Terms & Conditions

  • Equated Monthly Installment (EMI) of the borrower should not exceed 50% of the borrower’s Gross Income after deducting other loan obligations
  • Disclosed income must be substantiated by the transaction volume of the bank account along with tax paid receipts
  • In-case of existence of building or construction financing, the building to be insured against Fire, Earthquake, terrorism, etc as applicable with the Banker’s Clause for full value
  • The property proposed for the mortgage should have at least 8 feet wide motor able access. if the property is 1 ropani or above in area 10 feet wide motor able access is required.

Fees & Charges

Particulars Charges
Loan Administration Fee 0.75% of the loan amount
Commitment Fee 1% of the unutilized limit
Prepayment Fee 2% on amount prepaid if prepaid within a year and 1% on amount prepaid if prepaid after 1 year.
2% of outstanding in case the loan is taken over by other Banks or FIs
Valuation Charge 0.125% of Fair Market Value or NPR 5,000 whichever is higher
Penal Charge
Penal interest
Category Remarks
i) Principal Default : @ 3% p.a. for overdue principal amount for delayed
ii) Interest Default : @ 15% p.a. for overdue interest amount for delayed
CIC Charge On Actual Basis
Late Payment Fee NPR 500 each in case of principal and/or interest default

Eligibility

Age of applicant/co-applicant should be minimum 18 years at the time of loan origination and maximum age at the time of loan maturity can be 70 years

  • All individuals having sufficient level of income to repay EMIs.
  • Salaried individual - Should be in permanent service
  • Self Employed individual – Business should be at least 2 years in commercial operation
  • The plot should have at least 8 feet wide road with motor able access
  • The plot should be free from Guthi and/or Mohi
  • The plot should be far away from high tension line
  • Third party collateral is not acceptable
The above text, information and details have been extracted from their (nabil bank) official website.
 
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The name as Ghar Jagga Bazar Realestate (P) Ltd., (in short form ‘GJBR’) domains www.gharjaggabazar.com, www.gharjaggabazaar.com, www.homelandbazaar.com its logo have been registered in the office of the company registrar (license no 191585, tax pan no 606683586) government of Nepal. Registered office located in Basundhara, Tokha municipality, Kathmandu, Nepal.

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Basundhara, Kathmandu, Nepal
GPO Box: 6138
+977 01 4363456
+977 9818909311
+977 9813998554
info@gharjaggabazar.com

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