Personal Mortgage Loan


-Purchase of land.

-Personal Financing requirement/need.

-Refinance/SWAP/Takeover of Equity Loans.












Basic Eligibility Criteria:

-EMI should not be more than 50% of income of borrower along with other family members.

-Minimum age of borrower should be 21 years not exceeding 70 years.


-Both OD nature and Demand nature loan can be provided

-Term Loan is facilitiated

Loan Limit

-Minimum NPR 0.3 mil.

-Maximum NPR 5.0 mil for Overdraft Loan.

-Maximum NPR 80.0 mil for Demand Loan & Term Loan.


-Maximum tenure of 1 years for OD loan and Demand Loan.

-Minimum tenure of 5 years and maximum 20 years for term loan (However the age applicant should not exceed 70 years at loan maturity.)

Insurance: Comprehensive policy as per banks’ clause.


Rates & Fees:

Interest Rate: Competitive rate and charges.



-Mortgage of property.

-In case of allotment of flat/ buildings, a tripartite agreement shall be executed amongst Developers, Borrowers & Bank.

-Personal guarantee of person(s) acceptable to the Bank shall be obtained.