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NMB Bank offers affordable and flexible Home Loans  for purchase, construction, extension and renovation of your dream home. Our home loan schemes are tailored to suit both salaried and self-employed individuals.

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Age 25-65 years
  • Salaried individuals 
  • Remittance Income Holder
  • Self employed professionals
  • Businessmen
Nationality Nepali
Gender All gender
Title of the property must be in the name of the borrower or his/her spouse/parents/children.


Along with the Home Loan application you will need to provide the following documents required for processing Home Loan.

A. Identification Documentation

    • Photograph and copy of citizenship of the applicant/sponsor/guarantor
    • Copy of Individual PAN certificate (where applicable)
    • Map of the applicants’/sponsor’s/guarantor’s residence
    • Net worth statement of applicant/guarantor/sponsor
    • Multiple Banking document
    • Account in NMB Bank Ltd. 

    B. Income related documents

      • For salaried individuals

        Salary certificate from the employed organization/company (Not older than 3 months).

        Bank Statement for minimum 6 months, as applicable.

        Latest two salary slips (if any).

        Tax paid documents

        • For self-employed professionals

          Certificate of registered professional.

          Detail of income source/ profession.

          Proof of last 3 years of continuous practice (if any).

          Bank Statement for minimum 6 months, as applicable.

          Tax Paid documents

          • For business person

            Latest audited financial statement as per prevailing Company/Tax Act of Nepal.

            Bank Statement for minimum 6 months, as applicable.

            Certificate of Incorporation (in case of organization)

            Valid Firm/Company registration certificate.

            MOA/AOA, Share Lagat, partnership deed (as applicable)

            Recent tax paid receipt documents

            • For other sources

              Latest lease payment receipt or agreements, title deed of property. Future rental income will not be considered.

              Other rental income details. If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset.

              Pension slip, interest received statement etc.

              Bank Statement for minimum 6 months, as applicable.

              Other verifiable income.

              Tax paid documents

              C. Collateral related documents

                Land ownership certificate

                Blueprint/Cadastral Map / trace map

                Four boundary certificate (Char Killa)

                Land Classification Document

                Naksaa Pass, Building construction permission certificate from competent authority, construction completion certificate ( as applicable ) (in case of building available)

                Collateral transfer deed (for recently purchased property) (rajinama)

                latest revenue receipt of land or land or/and building offered as collateral

                Note: Other documents as per Bank laid down procedures, as applicable.


                Types of Property Funded

                • Purchase of land and building
                • Construction of residential building
                • Home Extension and Renovation
                • Plot purchase

                Loan Limit: Upto 5 crore

                Loan Tenure: Upto 35 years

                Loan To Value Ratio

                Inside/Outside ValleyLTV Ratio
                Inside Kathmandu valleyUpto 50% of FMV
                Outside Kathmandu valleyUpto 60% of FMV

                Upto 80% of construction cost in case of home construction


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