Loan all

Home Loan
 
Finance up to 70% of distress value of property
1. Purchase Readymade Houses/ Buildings
2. Construction of Houses / Buildings.
3. Readymade apartment, bungalow, duplex.
4. Renovation and / or extension of building.
 
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.
 

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 1% of loan amount
 

Tenure
1. Maximum of up to 10 years
2. Repayment : Equal Monthly Installments (EMI)
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge up to 1%
 

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 1,00,00,000
 

Insurance Charge
1. Insurance charge as per loan amt.
 

Security
1. Other forms of security may be accepted upon terms and conditions.
 
 

Business Loan
 
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.
 

Who can apply for the loan?
1. Proprietorship firm.
2. Partnership firm.
 

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 2% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.
 

Tenure
1. Maximum of up to 1 years
2. Repayment : Diminishing Base loan
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge up to 1%
 

Interest Rate
1. 15% to 17% p.a
2. Loan Amt. up to NPR 50,00,000
 

Insurance Charge
1. Insurance charge as per loan amt.
 

Security
1. Other forms of security may be accepted upon terms and conditions.
 
 

Education Loan
 
Who can apply for the loan?
The applicant must be a Nepali citizen who is employed with a stable job or self-employed with a regular income source. Otherwise, the guardian who is sponsoring the applicant must be employed with a stable job or self-employed with a regular income source.
 

Purpose
For the payment of admission fees, living expenses, travelling expenses, monthly fees, examination fees, books, stationery and instruments required for course undertaken by borrowing scholar.
Document Required (Identification Documents)
1. Citizenship certificate or Passport of applicants/joint applicants & guarantors
2. Personal net worth and family detail of applicants and guarantors
3. Acceptance letter from University / College / School
4. No objection letter from Ministry of Education
 

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.
 

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 2% of loan amount
 

Tenure
1. Maximum of up to 5 years
2. Repayment : Equal Monthly Installments (EMI)
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge up to 1%
 

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 10,00,000
 

Insurance Charge
1. Insurance charge as per loan amt.
 

Security
1. Other forms of security may be accepted upon terms and conditions.
 
 

Personal Loan
 

Who can apply for the loan?
The applicant must be a Nepali citizen who is employed with a stable job or self-employed with a regular income source.
 

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 2% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.
 

Tenure
1. Maximum of up to 1 years
2. Repayment : Diminishing Base loan
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge up to 1%
 

Interest Rate
1. 15% to 17% p.a
2. Loan Amt. upto NPR 10,00,000
 

Insurance Charge
1. Insurance charge as per loan amt.
 

Security
1. Other forms of security may be accepted upon terms and conditions.
 
 

Hire Purchase Loan
 
Who can apply for the loan?
1. Permanent salaried individuals.
2. Professional consultants.
3. Retired individuals from civil services and British/Indian/Singapore police services.
4. Self-Employed businessmen. Individuals whose income source is fixed (such as house rent)
 

Purpose
1. Purchase cars for personal use.
2. Purchase of route buses (chassis and or company built/ local built body).
3. Purchase of pick-up vans.
4. Purchase of mini trucks, trucks, tippers and tankers.
5. Purchase of school/college buses.
6. Purchase of cab, taxies etc.
7. Purchase of Microbuses
8. Purchase of motorcycles, Scooter, etc.
 

Document Required (Identification Documents)
1. Citizenship certificate or Passport of applicants/joint applicants & guarantors
2. Personal net worth and family detail of applicants and guarantors
3. Quotation of the Vehicle
4. Copy of Bill Book (In care of second hand)
5. Copy of Insurance (In care of second hand)
6. Copy of route permit (In case of commercial vehicle)
 

Salient Features :
1. Financing of both new and used vehicles.
2. Financing of up to 60% of the vehicle value.
 

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 2% of loan amount
 

Tenure
1. Maximum of up to 7 years
2. Repayment : Equal Monthly Installments (EMI)
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge upto 1%
 

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 10,00,000
 

Insurance Charge
1. Insurance charge as per loan amt.
 

Security
1. Other forms of security may be accepted upon terms and conditions.
 
 

Real Estate Loan
 
Who can apply for the loan?
1. Employed individuals
2. Professionals
3. Owner of small business
4. Self-employed businessmen
 

Purpose :
1. Purchase of apartment. Purchase the land and /or land and building, hold it and sell it when the price goes up.
2. Purchase the land, develop it and sell it making small plots.
3. Purchase the land, develop it and construct buildings or colony and sell it.
4. Other similar purposes as above
 
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 2% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.
 

Tenure
1. Maximum of upto 1 years
2. Repayment : Diminishing Base loan
 

Loan Documentation Fee
1. Loan Form Charge NPR 500
2. Membership charge NPR 1000
3. Field Report Charge NPR 1000
4. Valuation Charge up to 1%
 

Interest Rate
1. 15% to 18% p.a
2. Loan Amt. up to NPR 1,00,00,000
 

Security
1. Other forms of security may be accepted upon terms and conditions.