<ul>
<li>Nepalese citizens above 21 years of age at the time the loan is originated and whose maximum age at loan maturity will not exceed 70 years.</li>
<li>Spouse, father, mother, brother, sister, or other family members (living in a single family) will also be eligible as applicants with a personal guarantee.</li>
<li>Sufficient income source to repay the loan obligation.</li>
<li>The residential property being financed must be acceptable collateral to the bank.</li>
</ul>

&bull; &nbsp; &nbsp;२१ वर्ष पूरा भइसकेका नेपाली नागरिक यद्यपी कर्जा भुक्तानी अवधिसम्मको अधिकतम उमेर ७० वर्षभन्दा बढि हुनु नहुने &bull; &nbsp; &nbsp;एकाघरको पारिवारिक सदस्य आवेदक बन्न सक्ने, तर व्यक्तिगत ग्यारेन्टी आवश्यक पर्ने &bull; &nbsp; &nbsp;नियमित तथा पर्याप्त आम्दानीको श्रोत हुनु पर्ने&nbsp; &bull; &nbsp; &nbsp;स्वीकारीय आवासीय आवासीय सम्पत्ति धितो राख्नुपर्ने

<div class="___i31lg00 f10pi13n f14t3ns0 f1nbblvp fat0sn4 f1ov4xf1 fekwl8i f1lmfglv f1oz7aqm f1abmfm4 f1w619qj f16h0jq8">
<table class="___1hm93bs f1ddd56o f16vktn6 f1enuhaj fdclmfp f1ev3kgc ftgm304 f1uinfot fibjyge fvueend f9yszdx f1fu4s3n f3l3pb3 f1s2k7dp f8fmt76 fjvbh62 fysh76l fic4ptz f1yenhzu f1yn6nvh f14tj6oe f1jq587y f1el8yx3 f1pymoxg f1ofu761 fe6itr f7coize f1794535 f70r78m f4zgifc fk1v6el f16pyhcb fo436u6 fzy4j18 fc43013 f1hmrcvb fc4t9fq fgp09rh fjnyn6r" tabindex="0">
<thead>
<tr>
<th>Fixed Rate Period</th>
<th>Elite</th>
<th>Ultimate</th>
<th>Prime / No Score</th>
</tr>
</thead>
<tbody>
<tr>
<td>Up to 3 years</td>
<td>6.99% - 8.99%</td>
<td>6.99% - 8.99%</td>
<td>6.99% - 8.99%</td>
</tr>
<tr>
<td>Up to 5 years</td>
<td>7.49% - 8.99%</td>
<td>7.49% - 8.99%</td>
<td>7.99% - 8.99%</td>
</tr>
<tr>
<td>Up to 7 years</td>
<td>7.99% - 8.99%</td>
<td>8.24% - 8.99%</td>
<td>8.49% - 8.99%</td>
</tr>
<tr>
<td>Up to 10 years</td>
<td>8.49% - 8.99%</td>
<td>8.74% - 8.99%</td>
<td>
8.99%
</td>
</tr>
</tbody>
</table>
</div>
Post Fixed Period: Floating rate of Base Rate + 2% for the remaining loan tenure.

<div class="___i31lg00 f10pi13n f14t3ns0 f1nbblvp fat0sn4 f1ov4xf1 fekwl8i f1lmfglv f1oz7aqm f1abmfm4 f1w619qj f16h0jq8">
<table class="___1hm93bs f1ddd56o f16vktn6 f1enuhaj fdclmfp f1ev3kgc ftgm304 f1uinfot fibjyge fvueend f9yszdx f1fu4s3n f3l3pb3 f1s2k7dp f8fmt76 fjvbh62 fysh76l fic4ptz f1yenhzu f1yn6nvh f14tj6oe f1jq587y f1el8yx3 f1pymoxg f1ofu761 fe6itr f7coize f1794535 f70r78m f4zgifc fk1v6el f16pyhcb fo436u6 fzy4j18 fc43013 f1hmrcvb fc4t9fq fgp09rh fjnyn6r" style="width: 100%;" tabindex="0">
<thead>
<tr>
<th style="width: 28.943%;">Fixed Rate Period</th>
<th style="width: 20.3859%;">Elite</th>
<th style="width: 23.6577%;">Ultimate</th>
<th style="width: 26.9295%;">Prime / No Score</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 28.943%;">Up to 3 years</td>
<td style="width: 20.3859%;">6.99% - 8.99%</td>
<td style="width: 23.6577%;">6.99% - 8.99%</td>
<td style="width: 26.9295%;">6.99% - 8.99%</td>
</tr>
<tr>
<td style="width: 28.943%;">Up to 5 years</td>
<td style="width: 20.3859%;">7.49% - 8.99%</td>
<td style="width: 23.6577%;">7.49% - 8.99%</td>
<td style="width: 26.9295%;">7.99% - 8.99%</td>
</tr>
<tr>
<td style="width: 28.943%;">Up to 7 years</td>
<td style="width: 20.3859%;">7.99% - 8.99%</td>
<td style="width: 23.6577%;">8.24% - 8.99%</td>
<td style="width: 26.9295%;">8.49% - 8.99%</td>
</tr>
<tr>
<td style="width: 28.943%;">Up to 10 years</td>
<td style="width: 20.3859%;">8.49% - 8.99%</td>
<td style="width: 23.6577%;">8.74% - 8.99%</td>
<td style="width: 26.9295%;">
8.99%
</td>
</tr>
</tbody>
</table>
</div>
Post Fixed Period: Floating rate of Base Rate + 2% for the remaining loan tenure.

<a href="https://www.globalimebank.com/standard-fee/">Click here for Fees &amp; Charges</a>

<a href="https://www.globalimebank.com/standard-fee/">सेवा शुल्कहरूको लागि यहाँ क्लिक गर्नुहोस् </a>

Calculate how much you can borrow and monthly payments.

Turn your dream of owning a house into reality with our <a title="Home loan" href="https://www.globalimebank.com/products/loans/home-loan/">hassle-free housing loan.</a> With personalized service make the journey to owning a home. Simple, Smooth and Stress-free.
<a title="emi calculator" href="https://www.globalimebank.com/emi-calculator/" target="_blank" rel="noopener">Plan for your next home with EMI Calculator</a> to get started.

अब तपाईंको आफ्नै घरको सपना सहज, तनावमुक्त र आत्मविश्वासका साथ पूरा गर्नुहोस्, किनभने 'निश्&zwj;चिन्त आवास योजना' तपाईंको घर स्वामित्व यात्रा सरल, छरितो र झन्झटरहित बनाउने एक विशेष <a href="https://www.globalimebank.com/np/products/loans/home-loan/">घर कर्जा योजना</a> हो।
सजिलो, सहज र निश्चिन्त बनाउनुहोस्।
<a href="https://www.globalimebank.com/np/emi-calculator/" target="_blank" rel="noopener">ईएमआई क्यालकुलेटर प्रयोग गरी </a>आफ्नो घरको लागि योजना बनाउनहोस्।&nbsp;

&nbsp;
<div class="collapsible collapsed">
Identification&nbsp;
<ul>
<li>Photograph (2 copies each)</li>
<li>Citizenship certificate of applicant/guarantor.</li>
<li>Relationship Certificate, Marriage Certificate (as applicable)</li>
<li>Firm/Company Registration Certificate (as applicable)</li>
<li>PAN/VAT Certificate (as applicable)</li>
<li>Article of Association (AOA) and Memorandum of Association (MOA) (as applicable)</li>
<li>Partnership Deed (as applicable)</li>
<li>PAN Certificate (as applicable)</li>
<li>Location Map (Residence &amp; Office)</li>
</ul>
</div>
&nbsp;

&nbsp;
<div class="collapsible collapsed">
पहिचान&nbsp;
<ul>
<li>फोटो (प्रत्येक २ प्रति)</li>
<li>आवेदक / ग्यारेन्टरको नागरिकता प्रमाणपत्र।</li>
<li>सम्बन्ध प्रमाणपत्र, विवाह प्रमाणपत्र (लागू भए अनुसार)</li>
<li>फर्म/कम्पनी दर्ता प्रमाणपत्र (लागू भए अनुसार)</li>
<li>PAN/VAT प्रमाणपत्र (लागू भए अनुसार)</li>
<li>संघको लेख (AOA) र संघको ज्ञापन (MOA) (लागू भए अनुसार)</li>
<li>साझेदारी पत्र (लागू भए अनुसार)</li>
<li>प्यान प्रमाणपत्र (लागू भए अनुसार)</li>
<li>स्थान नक्सा (निवास र कार्यालय)</li>
</ul>
</div>

&nbsp;
<div class="collapsible collapsed">
Income&nbsp;
1. Salaried Income&nbsp;
<ul>
<li>Salary certificate from the concerned organization</li>
<li>Copy of employee ID card (As applicable)</li>
<li>Bank statement of at least six months</li>
<li>TDS</li>
</ul>
&nbsp;
2. Pension Income
<ul>
<li>Pension Certificate (Patta)</li>
<li>Bank statement of at least six months.</li>
</ul>
&nbsp;
3. Foreign Income:
<ul>
<li>Valid Passport &amp; Visa</li>
<li>Contract Agreement (as applicable)</li>
<li>Salary certificate from the concerned organization</li>
<li>Pay slips of last 3 months (if any)</li>
<li>Bank statement&nbsp;</li>
</ul>
&nbsp;
4. Vehicle Income
<ul>
<li>Copy of blue book</li>
<li>Self-declaration income from vehicle</li>
<li>Route permit for commercial vehicle</li>
<li>Reference letter from associated company mentioning income of vehicle in that route</li>
<li>Copies of insurance policies</li>
</ul>
&nbsp;
5. Rental/lease Income
<ul>
<li>Rental / lease agreement</li>
<li>Rental tax receipt</li>
<li>Title deed / Lal Purja</li>
<li>Latest bill: Electricity/Phone/Water Supply</li>
<li>Bank statement of at least six months.</li>
</ul>
&nbsp;
6. Business entities&nbsp;
<ul>
<li>Audited financials of last two Fiscal Years</li>
<li>Tax clearance certificate</li>
<li>Bank statement of at least six months.</li>
</ul>
7. Relevant income documents as deemed necessary.
</div>
&nbsp;

&nbsp;
<div class="collapsible collapsed">
आय
१. तलब आय
<ul>
<li>सम्बन्धित संस्थाबाट तलब प्रमाणपत्र</li>
<li>कर्मचारी परिचय पत्रको प्रतिलिपि (लागू भए अनुसार)</li>
<li>कम्तिमा छ महिनाको बैंक विवरण र कर कट्टी (TDS)</li>
</ul>
&nbsp;
२. पेन्सन आय
<ul>
<li>पेन्सन प्रमाणपत्र (पट्टा)</li>
<li>कम्तिमा छ महिनाको बैंक विवरण।</li>
</ul>
&nbsp;
३. विदेशी आय:
<ul>
<li>मान्य राहदानी र भिसा</li>
<li>श्रम सम्झौता (लागू भए अनुसार)</li>
<li>सम्बन्धित संस्थाको तलब प्रमाणपत्र</li>
<li>पछिल्लो ३ महिनाको तलब भुक्तानी स्लिपहरू</li>
<li>बैंक स्टेटमेन्ट</li>
</ul>
&nbsp;
४. सवारी साधन आय
<ul>
<li>नीलो किताबको प्रतिलिपि</li>
<li>वाहनबाट स्व-घोषणा आय</li>
<li>व्यावसायिक सवारी साधनको लागि रुट परमिट</li>
<li>उक्त मार्गमा सवारी साधनको आम्दानी उल्लेख गर्ने सम्बन्धित कम्पनीको सन्दर्भ पत्र</li>
<li>बीमा नीतिहरूको प्रतिलिपिहरू</li>
</ul>
&nbsp;
५. भाडा आय
<ul>
<li>भाडा / लीज सम्झौता</li>
<li>भाडा कर रसिद</li>
<li>लाल पुर्जा</li>
<li>पछिल्लो बिल: बिजुली/फोन/पानी</li>
<li>कम्तिमा छ महिनाको बैंक विवरण।</li>
</ul>
&nbsp;
६. व्यापारिक संस्थाहरू
<ul>
<li>विगत दुई आर्थिक वर्षको लेखापरीक्षण गरिएको वित्तीय विवरण</li>
<li>कर निकासी प्रमाणपत्र</li>
<li>कम्तिमा छ महिनाको बैंक विवरण।</li>
</ul>
&nbsp;
७. सान्दर्भिक आय कागजातहरू आवश्यक मानिन्छ।
</div>
&nbsp;

&nbsp;
<div class="collapsible collapsed">
Collateral
<ul>
<li>Title deed</li>
<li>Rajinama Deed/Bakaspatra/Ansabanda Deed etc</li>
<li>Blue Print &amp; Trace Map duly obtained by bank&rsquo;s representative</li>
<li>Four boundary</li>
<li>Land revenue receipt (tiro &nbsp;receipt)</li>
<li>Building Drawing</li>
<li>Building permission/completion certificate</li>
<li>Land &amp; building tax receipt</li>
</ul>
</div>

&nbsp;
<div class="collapsible collapsed">
धितो
<ul>
<li>लाल पुर्जा</li>
<li>राजीनामा पुर्जा/बकसपत्र/अंशबण्डा पुर्जा आदि</li>
<li>बैंकको प्रतिनिधिद्वारा प्राप्त नक्सा र ट्रेस नक्सा</li>
<li>चार किल्ला</li>
<li>भूमि राजस्व रसिद (टिरो रसिद)</li>
<li>भवन रेखाचित्र</li>
<li>भवन निर्माण अनुमति/समापन प्रमाणपत्र</li>
<li>जग्गा र भवन कर रसिद</li>
</ul>
</div>

<div class="collapsible collapsed">
Others
<ul>
<li>Other supporting documents as deemed necessary. Terms &amp; Conditions applies.</li>
</ul>
</div>

<pre id="tw-target-text" class="tw-data-text tw-text-large tw-ta" data-placeholder="Translation" aria-label="Translated text: अरू" data-ved="2ahUKEwinn7yKlZ2KAxWTdmwGHcDJI5sQ3ewLegQICxAV"></pre>
<div class="collapsible collapsed">
अरू
<ul>
<li>
आवश्यकता अनुसार अन्य सहायक कागजातहरू। नियम र शर्तहरू लागू हुन्छ।&nbsp;
</li>
</ul>
</div>

Required Documents

आवश्यक कागजातहरू

Home Loan

Loan

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/smartphone_24dp_044189_FILL1_wght400_GRAD0_opsz24 (1).svg" alt="" width="24" height="24">
Free Mobile Banking/Internet Banking Service (1st year*)

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/smartphone_24dp_044189_FILL1_wght400_GRAD0_opsz24 (1).svg" alt="" width="24" height="24">
पहिलो वर्ष निःशुल्क मोबाइल/इन्टरनेट बैंकिङ सेवा&nbsp;

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/credit_card_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Free Visa Credit Card (First Year)

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/credit_card_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
पहिलो वर्षका लागि निःशुल्क भिसा क्रेडिट कार्ड&nbsp;

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/calendar_month_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Decision within just 12 hours

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/calendar_month_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
मात्र १२ घण्टाभित्रै कर्जा स्वीकृतिको निर्णय&nbsp;

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/account_balance_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Branches available nationwide, spanning across all 77 districts
&nbsp;

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/account_balance_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
नेपालका सबै ७७ जिल्लामा शाखाहरूको सञ्जाल विस्तार भएको

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/contact_support_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Necessary and appropriate consultation on the loan process by our experienced and skilled staff

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/contact_support_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
अनुभवी तथा दक्ष कर्मचारीहरूद्वारा आवश्यक परामर्श सेवा&nbsp;

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/calendar_month_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Moratorium options

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/calendar_month_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
मोरेटोरियम सुबिधा

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/checkbook_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
Flexible Repayment Terms

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/checkbook_24dp_044189_FILL1_wght400_GRAD0_opsz24.svg" alt="" width="24" height="24">
सहज भुक्तानी तालिका

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/money_bag_24dp_044189_FILL1_wght400_GRAD0_opsz24 (1).svg" alt="" width="24" height="24">
Flexible Loan Amount

<img src="https://gibl-assets.gibl.com.np/uploads/Icons Material SVG/money_bag_24dp_044189_FILL1_wght400_GRAD0_opsz24 (1).svg" alt="" width="24" height="24">
सहज कर्जा रकम

Features

विशेषताहरू

Loans

For Personal Residence

Simple, Smooth and Stress-free home loan

सजिलो, सहज र निश्चिन्तआवास कर्जा

Overview

Calculate how much you can borrow and monthly payments.

Features

Eligibility

Interest

Fee & Charges

Required Documents

Frequently Asked Questions

Related Products

Products you might be interested in.

Fixed Rate Period	Elite	Ultimate	Prime / No Score
Up to 3 years	6.99% - 8.99%	6.99% - 8.99%	6.99% - 8.99%
Up to 5 years	7.49% - 8.99%	7.49% - 8.99%	7.99% - 8.99%
Up to 7 years	7.99% - 8.99%	8.24% - 8.99%	8.49% - 8.99%
Up to 10 years	8.49% - 8.99%	8.74% - 8.99%	8.99%

Nischinta Awash Yojana

Simple, Smooth and Stress-free home loan

Overview

Calculate how much you can borrow and monthly payments.

Features

Eligibility

Interest

Fee & Charges

Required Documents

Frequently Asked Questions

Related Products

Products you might be interested in.