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NMB Bank presents Sulav Ghar Karja with fixed rates for a specified duration, featuring affordable rate for purchase, construction, extension and renovation to unlock the door to your dream home.

Special Offerings:

  • Lowest Interest Rate for fixed tenure loan.
  • Fixed interest rate for predefined tenure.
  • Floating rate at prevailing market pricing after fixed tenure.

Click here to check the interest rate.


Age: 25-65 years
Profession: Salaried individuals, Remittance Income Holders, 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 Valley LTV Ratio

Inside/Outside Kathmandu valley Upto 60% of FMV

First Home Buyer Upto 70% of FMV

Upto 80% of construction cost in case of home construction


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