Small and Medium scale business enterprises area has played vital role in economic reform of developing economies like us world over. Understanding the significance the role they can play in Nepal’s economy, Civil has introduced structured financial solutions in the form of “Civil Business Karza”. “Civil Business Karza” caters the need of wide range of enterprises ranging from whole sale retailers, small and medium scale manufacturing, processing, importer and exporters, suppliers, workshops, educational institutes, hospitals and tours and travels etc.
Other Features :
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.
Service Charges & Loan Renewal Charges
1. Service charge 1% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.
1. Maximum of up to 1 years
2. Repayment : Diminishing Base loan
Loan Documentation Fee
Charges as per company’s rules
1. 15% to 17% p.a
2. Loan Amt. up to NPR 50,00,000
1. Insurance charge as per loan amt.
1. Other forms of security may be accepted upon terms and conditions.