Home Loan

Home loan assistance by Ghar Jagga Bazar Realestate (P) Ltd.

A grade commercial banks
Finance & multi-purpose finance company

We heartily welcome our valuable customers to our ghar jagga bazar realestate agency, Basundhara, Kathmandu. We have our experience that we assisted to our many customers to provide home loan through the any commercial banks or reputed finance companies. So that if any customers need our help to assist to have home loan process through bank, we would be very happy to help them.

We assisted tour customers to have home loan through the following banks in our past experience.

Standard chartered bank
Gurkha millennium multi-purpose finance company
sunrise bank

The bank loan informations as per nabil bank

Housing Loan
Home Loans are affordable and flexible designed to take you closer to your dream home.

With the most competitive interest rates, extended loan tenures and other flexi features, financing is available for purchase of land, building construction, furnishing, refurbishment and purchase of individual homes and apartments.

We have a dedicated team of experts having in-depth domain knowledge, customized relationship management support and a complete package to meet all your housing loan needs. In the market where the basic products are largely similar, the differentiator is our ability to understand your need completely and structure the eligibility and loan amount appropriately.

Features of Housing Loan

Attractive & competitive interest rate
Quick and transparent loan processing
Flexible loan tenure up to 35 years
Equated Monthly Installment (EMI) payment solution
Interest is charged on the reduced principal outstanding
Moratorium period of up to 12 months for building construction
Loan processing from wide range of branch networks
Personal counseling throughout the process
Simplified documentation
Insurance options to cover your home loan at attractive premium

Preview of Loan:

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Purpose	Loan Amount	Loan Tenure	Financing Terms
Construction	Up to NPR 50 million	Up to 35 Years	Up to 100% of the construction cost **
Extension/Renovation	Up to NPR 10 million	Up to 20 Years	Up to 60% of FMV
Land & Building Purchase	Up to NPR 50 million	Up to 35 Years	80% of Distress Value of the Property or 60% of FMV. In case of Kathmandu Valley, it is 50% of FMV
Land Purchase	Up to NPR 50 million	Up to 35 Years	80% of Distress Value of the Property or 60% of FMV. In case of Kathmandu Valley, it is 50% of FMV.
Loan Takeover	Up to NPR 50 million	Up to 35 Years	80% of Distress Value of the Property or 60% of FMV. In case of Kathmandu Valley, it is 50% of FMV

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** If the value of land is adequate enough, we can also finance up to 100% of the construction cost.

Required Documentation Checklist

Terms & Conditions

Fees & Charges

Eligibility

The bank loan informations as per Machhapuchchhre Bank

If you are thinking of purchasing of land (with objective of construction of house at the same time), constructing a new house or renovating existing one or extension of a residential house or non-residential property or to refinance the equity already injected, Machhapuchchhre Bank Limited is ready to provide you financial assistance to materialize your plan.

Eligibility

All Nepalese Citizens (Individuals only)
The applicant must be at least 21 years of age (as per citizenship certificate) at the time of submission of loan application.
The loan must be terminable before the applicant reaches the age of 70 years
In cases where salary income has been considered for the assessment of repayment capacity of the borrower, loan must be terminable before the age of retirement, or the borrower reaches 70 years of age, whichever occurs first.
Loan can be approved in joint names (more than one borrower also). However, at least one of the borrowers must meet the above criteria. Only members of an undivided family can be joint borrowers
Undivided family shall be eligible for the home loans against one property only
The owner of the property (to be) financed must be borrower or one of the co-borrower.