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NMB Bank offers affordable and flexible Home Loans  for purchase, construction, extension and renovation of your dream home. Our home loan schemes are tailored to suit both salaried and self-employed individuals.

For more information:
Contact: 01-5970150

Digital Retail Loan Application - Apply Now


Age 25-65 years
  • Salaried individuals 
  • Remittance Income Holder
  • Self employed professionals
  • Businessmen
Nationality Nepali
Gender All gender


Along with the Home Loan application you will need to provide the following documents required for processing Home Loan.

  1. Identification Documentation
    • Photograph and copy of citizenship of the applicant/sponsor/guarantor.
    • Copy of Individual PAN certificate (where applicable)
    • Copy of title deed of other property owned by borrower and his/her one house family members/ guarantors as declared in net-worth statement.
    • Map of the applicants’/sponsor’s/guarantor’s residence.
    • Net worth statement of applicant/guarantor/sponsor.
  2. Income related documents
    • For salaried individuals
      • Salary certificate from the employed organization/company (not older than 3 months).
      • Bank Statement, as applicable.
      • Latest two salary slips (if any).
    • For self-employed professionals
      • Certificate of registered professional.
      • Detail of income source/ profession.
      • Proof of last 3 years of continuous practice (if any).
      • Bank Statement, as applicable.
    • For business person
      • Latest audited financial statement as per prevailing Company/Tax Act of Nepal.
      • Bank Statement, as applicable.
      • Certificate of Incorporation (in case of organization)
      • Valid Firm/Company registration certificate.
      • MOA/AOA, Share Lagat, partnership deed (as applicable)
      • Recent tax paid receipt.
    • For other sources
      • Latest lease payment receipt or agreements, title deed of property. Future rental income will not be considered.
      • Other rental income details. If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset.
      • Pension slip, interest received statement etc.
      • Bank Statement, as applicable.
      • Other verifiable income.
    • Collateral related documents
      • Land ownership certificate
      • Blue print / trace map
      • Four wall boundary
      • Building construction permission certificate from competent authority, construction completion certificate ( as applicable )
      • Collateral transfer deed (for recently purchased property)
      • latest revenue receipt of land or land or/and building offered as collateral


Types of Property Funded

  • Purchase of land and building
  • Construction of residential building
  • Home Extension and Renovation
  • Plot purchase

Loan Limit: Upto 5 crore

Loan Tenure: Upto 35 years

Loan To Value Ratio

Inside/Outside ValleyLTV Ratio
Inside Kathmandu valleyUpto 50% of FMV
Outside Kathmandu valleyUpto 60% of FMV

Upto 80% of construction cost in case of home construction


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