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Product Overview
Home Loan
NIBL Home Loan offers attractive product features and easy loan processing. Our Home Loan service provides you with a complete financial solution for your dream home from purchasing land or building, construction, extension/renovation of existing building or Apartment/Colony housing financing, and a SWAP of existing home loan for other BFIs.
Features
- Loan available for all Nepali citizens
- Nepali citizens between the ages 21 to 65 years of age (at the time of maturity of loan tenure) are eligible for NIBL Home Loan
- Affordable interest rates and charges (as published by the bank)
- We cover 100 % construction cost for building constructions. However, below mentioned ceiling shall be applicable
- Up to NPR 15 million for First Home Buyers. Lending to be restricted to a maximum of 70% of Fair Market Value or as instructed by NRB from time to time
- Loan tenure for up to 25 Years
- Home loan above NPR 15 million for residential homes with a maximum 40% of Fair Market Value for inside Kathmandu valley property and 50% of Fair Market Value for outside Kathmandu valley property or as instructed by NRB
- Personal Residential Loan upto NPR 15 million. Lending to be restricted to a maximum of 60% of Fair Market Value
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