Interest Rate 12.5% – 15% Home Loan From Century Bank For Up to 20 years Loan Tenure

6582

Property ID

Description

Purpose:

If you are dreaming of buying your own residence, opt for a home loan from Century Commercial Bank. Our home loans are packed with several elite features and benefits for aspiring home owners.

Our housing loan can be used for a variety of purposes. For instance, you can purchase a ready house/flat/apartment, build your own home and even extend your existing residence or renovation with a home loan.

Features:

  • Quick processing time.
  • Competitive interest rate.
  • Flexible Loan Tenure: Maximum 25 years including 6 months of moratorium period.
  • Financing: Maximum up to NPR 100 million

Eligibility: All Nepalese citizens who is atleast 18 years old, Private Firms and Companies can apply the loan.

Required Documents:

  • Copy of Citizenship Certificate and 2 copies of passport size photos of applicants/ collateral owner and personal guarantors.
  • Copy of Land ownership certificate (lalpurja) of the land showing residence of the individual borrower/family, if any
  • LalPurja, TiroTirekoRasid, Char Killa certificate, Land Map (Blueprint and trace).
  • Copy of Building Naksa Pass (from VDC or Municipality)
  • Property Tax Clearance Certificate (from VDC or Municipality)
  • Approval of construction, approved house map and construction completion certificate (as appropriate)
Income Type Required Documentation
Income Type Required Documentation
Salary/Pension Income Letter from the employer stating the position, terms of employment (contract of permanent), total salary etc. In case of Pension income, pension slip required

At least past six month Bank statement reflecting salary income.

TDS receipt/certificate ( as per NRB directives/ Government of Nepal)

Rental/Lease income from property Copy of lalpurja, copy of rental/ lease agreement signed by the landlord and tenant/ lessor and lessee in presence of witness, citizenship copy of tenant/lessee in case of individual and copy of registration document in case tenant/lessee being company/firm.

Rental Tax Paid Receipt ( as per NRB directives/ Government of Nepal)

 

Vehicle Income Copy of Bluebook, Comprehensive insurance copy, self-declaration income in case of vehicle being used in route, rental agreement if the vehicle is being used in rent.

Tax receipt/certificate ( as per NRB directives/ Government of Nepal)

 

Self-professional practices Registration with concerned authority such as; Nepal Engineering Council for engineers, Nepal Bar Association for lawyers etc. Letter from employer’s law firm etc.

Bank statement wherever possible.

Tax receipt/certificate ( as per NRB directives/ Government of Nepal)

 

Self-Medical practices Nepal Medical Council certificate, letter from the employer, letter from polyclinic, pharmacy where the clinic is located.

Bank statement reflecting income.

TDS receipt/certificate ( as per NRB directives/ Government of Nepal)

­

Freelance Consultancy Past working experiences, current contract papers and proof of remuneration, qualification certificates.

Bank statement wherever possible.

TDS receipt/certificate ( as per NRB directives/ Government of Nepal)

 

Business Income Firm Registration Certificate

Tax/Vat Registration certificate

Last 2 year financials, and year to date financial for current year, acceptable to Bank.

Tax clearance certificate ( as per NRB directives/ Government of Nepal)

 

Foreign Employment Bank Statement (Domestic/ Abroad) or remittance payment received slips of past 3 months (In case of salary income generated from India, ATM withdrawal receipt from Nepal ATM booth can be considered as a remittance slip), Employment certificate from the concerned employer with required documents, Bank statement reflecting remitting deposits.
Dividend Income Certification from concerned Company /Share Register or Bank statement showing dividend amount credited
Capital Gain Certification from Broker houses or Security Board of Nepal (SEBON)
Commission Income Insurance Agent Commission, Broker/Agency Commission, Lekhapadi Business Commission etc.

TDS receipt/certificate ( as per NRB directives/ Government of Nepal)

Features

  • Quick processing time.
  • Competitive interest rate.
  • Flexible Loan Tenure: Maximum 25 years including 6 months of moratorium period.
  • Financing: Maximum up to NPR 100 million

Fees: As Per Bank’s Terms and Conditions

Address

Address: Century Bank, Putalisadak, Kathmandu, Nepal
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  • Property ID 6582
  • Price Price on call
  • Property status Service

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