• Individuals-Nepalese citizens above 18 years and up to 70 years at maturity of the facility.
• Salaried individual/ self-employed persons. 
• Sufficient income source to repay at the satisfaction of the Bank. 
• The parents of the borrower shall be made as the borrower and student will be made as the joint borrower (where applicable). 
• Financing for students who are willing to pursue further education abroad or within the country for studying +2 or above. 
• EMI /EQI– 50% of gross income. 
• EMI /EQI– 80% of uncommitted (disposable) income.

• Registered mortgage of land and building.
• Personal Guarantee of family member or third party acceptable to the Bank.
• Comprehensive insurance coverage of building.
• Security coverage requirement: Loan can be extended up to 80% of FAC on FMV.

• Salary Certificate.
• Photocopy of contract agreement between applicant and his/her employer.
• Photocopy of Rent Contract if any.
• Photocopy of audited Financial Statements in case Firm /Company’s income is considered.
• Self-declared income.
• Others if any.

• Loan application firm duly filled and signed in standard format of the Bank.
• Current account of the applicant / borrower.
• Name of the family members.
• 2 Passport size photo of borrower and joint-borrower.
• Photocopy of citizenship certificate of borrower, joint-borrower & guarantor/security holder.
• Photocopy of all academic records above SLC level (transcript & character certificates).
• Photocopy of passport with visa for studying abroad except India.
• Photocopy of admission confirmation letter/acceptance letter from the university/college incorporating admission fee, tuition, accommodation and others.
• Photocopy of land ownership certificate (Lalpurja) to be placed as collateral.
• Photocopy of Blue Print of the land (Napi Naksha).
• Photocopy of construction completion certificate from Municipality/Rural Municipality (Nirman Sampanna Pramanpatra) and approved drawing of the building in case a building is to be placed as collateral.
• Photocopy of four Boundary Disclosure (Char Killa ) from ward office of the land and/or building to be placed as collateral.
• Photocopy of latest land revenue receipt (Malpot Receipt) and tax clearance receipt of the building to be placed as collateral.
• Salary Certificate/Rental Contract/Financials of business/Other contract agreements if any, of parents.
• Photocopy of Tax/PAN/VAT certificate along with registration certificate (For self-employed).
• Photocopy of land/housing Transfer Deed (Rajinama).
• Original letter stating coheir (Anshiyar) of the owner of the collateral from local authority (Ward).
• Multiple banking declaration.
• Other documents stipulated by the Bank from time to time.

Refer to your nearest branches.