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NMB fixed Rate home loan is one of the best product offerings in the Housing Loan segment. NMB Fixed Rate Home loan is the Variant of NMB Home Loan product, with interest rate fixed for 5 years. That offer comes with fixed interest rate of 11% per annum with the said rate being locked for 5 years.We offer Home Loan for purchase of residential land & building, apartment, including construction/renovation/extension of building.

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Age 25-65 Years
Profession Salaried Individuals
Remittance Income Holder
Self-employed Professionals
Nationality Nepali
Gender All Gender


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

For salaried individual

  • Salary certificate from the employed organization/company (Notolder 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

Loan Limit: Up to 3 crore

Loan Tenure: Up to 25 years

Loan To Value (LTV) Ratio

Outside Kathmandu Valley
Inside/Outside Valley LTV Ratio
Inside Kathmandu Valley Up to 50% of FMV Up to 70% in case of First HomeBuyer 
Up to 60% of FMV

Up to 100% of construction cost in case of home construction


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