• Nepalese Citizen above 21 years.
• Salaried Individuals in permanent service with any credible organization.
• Individuals with their own business/ self-employed persons.
• Sustainable and sufficient source of income.
• EMI /EQI– 50% of gross income.
• EMI /EQI– 80% of uncommitted (disposable) income.
• Purchasing of loan is subject to the satisfactory debt servicing to other Banks/FIs.

Identification

• 2 Passport size photo of applicant.
• Photocopy of citizenship certificate of Applicant & guarantor.
• Family members name in detail.
• Photocopy of Tax/PAN/VAT certificate along with registration certificate.

Proof of Income

• Salary Certificate.
• Photocopy of contract agreement between applicant and his/her employer.
• Photocopy of Rent Contract if any.
• Photocopy of audited/management prepared Financial Statements.
• Self-declared income.
• Others, if any.

Others

• Loan application firm duly filled and signed in standard format of the Bank.
• Current account of the applicant / borrower.
• Net worth declaration.
• Original Blue Print of the land (Napi Naksha) certified by concerned authority.
• Copy of construction completion certificate from Municipality/Rural Municipality in case of purchasing already built house (Nirman Sampanna Pramanpatra).
• Copy of land ownership certificate (Lalpurja).
• Original latest land revenue receipt (Malpot Receipt).
• Approved drawing of the building from Municipality/ Rural Municipality (Naksha Pass).
• Copy of land Transfer Deed (Rajinama).
• Original four Boundary Disclosure (Char Killa Pramanit) from ward office.
• Approval letter of municipality for extension and renovation/modification  (if needed) of house.
• In case of Purchasing of loan, loan statement from other banks and financial institution.
• Multiple banking declaration.
• Other documents stipulated by the Bank from time to time.