FAQ
Home Loan:
Home loan from BFI's of Nepal is provided for construction and purchase of a house/flat, as well as the repairs, renovations, additions, and alterations to the property as well as purchase of land to construct a house or building for residential purposes.
Eligibility:
- EMI should not be more than 60% of *disposable monthly income of the borrower along with that of the spouse/ other members of the family.
Documents Required
- Citizenship certificate
- Passport copy
- Photograph
- Marriage certificate
- Relationship certificate (where applicable)
- Income source verification documents
- Land Ownership Certificate
- Blueprint
- Trace Map
- Charkilla etc as applicable
- Bank account statements
- Net worth detail documents (where applicable)
- Property valuation documents
- PAN/ VAT Certificate (where applicable).
Margin
Residential Housing Loan up to Rs. 2 crore:
- Minimum 10% (in case of construction) however, total margin including cost of land/existing building shall in no case be less than 25%.
- Minimum 25% of bank value in case of outright purchase of house/flat of the tentative Bank Value.
- Minimum 40% of bank value in case of Land purchase.
Residential Housing Loan for more than Rs. 2 crore:
- Minimum 25% in case of construction / addition / repair / renovation of the proposed cost.
- Minimum 25% of bank value in case of outright purchase of house/flat of the tentative Bank Value.
- Minimum 50% of bank value in case of Land purchase.
Repayment
- As per Bank's Policy
Education Loan aims to provide financial support to eligible and talented students who wish to pursue higher education either in Nepal or abroad.It covers:
- Admission Fee
- Books and stationery
- Instruments required for the course undertaken by the borrowing scholar
- Monthly fees/Tuition fees
- Examination Fees
- Caution deposit/building fund/refundable deposit supported by Institution bills/receipts
- Any other expenses required completing the course like study tours, project work, thesis
- Boarding and lodging expenses.
Eligibility:
- Should be a Nepalese citizen.
- The student should have at least intermediate/higher secondary level (plus two) academic qualification.
- The student’s parents/guardian should have sufficient regular income to service interest during moratorium period.
Documents required:
- Should be a Nepalese citizen.
- Citizenship certificate.
- Passport copy.
- Photograph.
- The student should have at least intermediate/higher secondary level (plus two) academic qualification.
- The student’s parents/guardian should have sufficient regular income to service interest during moratorium period.
- Offer letter/ Fee Structure.
- Acceptance letter from concerned Education Institution.
- No objection letter from Ministry of Education, in case of abroad study.
- Copies of Citizenship Certificate and/or Passport of Borrowers and Guarantors.
- Copy of Passport of student and dependent (if any), for abroad study.
- Relationship certificate.
- Marriage certificate (where applicable).
- Net worth statement of Borrowers and Guarantors (where applicable).
- PAN Card.
- Income Verification documents.
- All related documents regarding collateral/security.
- Land Ownership Certificate (Lalpurja).
- Blueprint.
- Trace Map.
- Charkilla.
- Rajinama Patra.
Repayment
- As per Bank's policy
Auto Loan in Nepal is provided to purchase/finance four-wheeler car / van / jeep/ Multi Utility Vehicles/ Sports Utility Vehicle for individual and business concerns.
Eligibility
- Must be a Nepali Citizen
- Gross monthly income (Self employed/Business/Salaried & Other income) of borrower along with that of spouse/other family members should be at least double of monthly installment of the loan
Margin
- Fossil fuel Vehicle (for personal purpose)- not less than 50% of purchase price of vehicle or VAT bill.
- Electric Vehicle (for personal purpose)- not less than 20%of purchase price of vehicle or VAT bill.
Documents
- Identification Documents:
- Citizenship certificate
- Passport copy
- Photograph
- Marriage certificate
- Relationship certificate (where applicable)
- Income source verification documents
- Quotation price of the vehicle
- Bank account statements
- Net worth detail document (where applicable)
- Firm/Company Registration Certificate (if applicable)
- PAN/VAT Certificate (If applicable)
- Audited financials of the last 2 fiscal years (For business income)
- Blue book
पहिले तपाईसँग भएका शेयरहरूको सूची बनाउनुहोस्।
त्यसपछि,
यसको मूल्य (A) निकाल्नुहोस्।
A = शेयर संख्या * शेयर मूल्य
त्यसपछि,
sharesansar.com/nepalstock.com.np जस्ता वेबसाइटबाट १८० दिनको
औसत मूल्य हेर्नुहोस् र यसको मूल्य निकाल्नुहोस् (B)
B = शेयर संख्या * 180 दिन शेयर मूल्य।
त्यसपछि
तपाइँलाई प्रदान गरिने कुल ऋण (C)= A/B*70% हो ।
( A र B बीचमा जुन कम हुन्छ।)
अब, तपाईको मनपर्ने बैंकमा जानुहोस्।
यसबाहेक सबै बैंकहरूसँग उनीहरूले शेयर ऋण दिने कम्पनीहरूको सूची छ।
तपाईको सेयर बैंकको सूचीसँग मेल खान्छ वा छैन भनेर मिलाउनुहोस्।
विभिन्न बैंकहरूको फरक सूची छ। त्यसो भए केहि बैंकहरू प्रयास गर्नुहोस् ।
त्यसपछि तपाईसँग भएको सेयर रोक्का गरिसकेपछि बैंकले सरभीस शुल्क र
ब्याजदर लिएर ऋण दिनेछ ।
नोट:
यदि सेयरको मूल्य 180 दिनको औसत वा हालको शेयर मूल्य ऋणको मूल्य
भन्दा तल झर्छ भने तपाईंले घाटा रकम फिर्ता गर्नुपर्नेछ।
