Best Mortgage Loan Services in Nepal || Kamana Sewa Bikash Bank

Home Loan

Home is where the heart is..

Your dream home is a symbol of stability, security, and a bright future. At Kamana Sewa Bank, we understand the emotional weight of homeownership and we're committed to helping you make your dream a reality with our Home Loan.

Our loan facility is designed to make purchasing a home as easy and hassle-free as possible. With competitive interest rates and flexible repayment options, you can rest assured that you're getting the best deal for your investment.

We believe that everyone deserves the opportunity to own their dream home, whether it's a cozy little abode or a sprawling estate. Let Kamana Sewa Home Loan help you achieve your homeownership goals and build a brighter future for you and your family.

Apply today and take the first step towards your dream home!

Product Type
- Pure Home Loan
- Residential Home Loan
Maximum Loan Limit
- Up to NPR 30 Million or as specified by NRB
Loan to Value (LTV %)
- For First Time Home Buyers: Up to 80% of Fair Market Value of property in line with the Bank's Valuation Guideline or as guided by NRB from time to time
- For Others: Up to 70% of Fair Market Value of property in line with the Bank's Valuation Guideline or as guided by NRB from time to time
Loan Tenure
- Minimum: 3 years
- Maximum: 25 years
Age Limit for Borrower
- Minimum: 23 years (at the time of loan application)
- Maximum: 75 years (at the time of loan maturity)
For First Time Home Buyer / Construction
- Maximum loan limit to be within NPR 30 Million or as permitted by NRB
- Maximum built-up area of building to be within 3000 sq. ft. or as specified by NRB
- Rental income cannot be considered for repayment

Plot Purchase Loan

Who Wants a Readymade House, When You Can Construct Your Own Dream House?

Looking to purchase a plot of land to build your dream home? Kamana Sewa Bank is here to help you achieve your goal with our Plot Purchase Loan!

Our loan facility offers competitive interest rates and flexible repayment options, making it easier for you to purchase the land you need. With Kamana Sewa Plot Purchase Loan, you can turn your dream of owning a piece of land into a reality without financial stress.

Whether it's for residential or commercial purposes, our loan can help you secure the land you need to build your future. Don't let financial constraints hold you back any longer. Apply for Kamana Sewa Plot Purchase Loan today and start building your dream!

Loan Limit
- Minimum: N/A
- Maximum: Up to NPR 50 Million or as decided by management from time to time
- For loans above NPR 5 Million, purpose of loan and end use of fund shall be disclosed/obtained with appropriate documents
Loan to Value (LTV%)
- 50% of Fair Market Value of Property in line with the Bank's Valuation Guideline or as guided by NRB from time to time
Loan Tenure
- Minimum: 3 years
- Maximum: 25 years
Age Limit for Borrower
- Minimum: 23 years (at the time of loan application)
- Maximum: 75 years (at the time of loan maturity)

Other Mortgage Loan

Need Extra Cash .......

Running short on funds can pose major challenges in both our personal and professional lives. Whether you're looking to expand your business, pay off debts, or finance important life events like weddings and education, you need a reliable solution.

Enter Kamana Sewa Mortgage Loan! Our hassle-free loan is the perfect way to secure additional funds, allowing you to pay it off over an extended period with minimum interest rates. Simply mortgage your fixed assets, and watch your financial worries fade away. Kamana Sewa Mortgage Loan makes it easy to achieve your dreams and overcome financial hurdles.

Product Type
- Personal Equity Loan (PEL)
- Easy Overdraft Loan
Loan Limit
- For PEL
  - Minimum: N/A
  - Maximum: Up to NPR 50 Million or as decided by management from time to time
  - For loans above NPR 5 Million, purpose of loan and end use of fund shall be disclosed/obtained with appropriate documents
- For Easy OD
  - Minimum: N/A
  - Maximum: Up to NPR 5 Million in all BFIs or within the limit prescribed by NRB from time to time
Loan to Value (LTV%)
- 50% of Fair Market Value of Property in line with the Bank's Valuation Guideline or as guided by NRB from time to time
Loan Tenure
- For Personal Equity Loan
  - Minimum: 3 years
  - Maximum: 25 years
- For Easy Overdraft Loan
  - 1 year subject to renewal
Age Limit for Borrower
- Minimum: 23 years (at the time of loan application)
- Maximum: 75 years (at the time of loan maturity)

Required Documents

Passport size photo of applicants/guarantor.
Copy of citizenship document of borrowers/guarantor.
Copy of Land ownership document (lal purja).
Copy of Transfer deed (Rajinama).
Blue Print of Land.
Building construction approval from Municipality / VDC along with drawing plans (applicable where building is involved).
Char Killa (four boundary).
Land revenue Tax Receipt (malpot receipt).
Income certifying document (Salary letter, Audited balance sheet, rental agreement etc.).
Firm / company registration and PAN in case of income from business source.
Building completion certificate from Municipality/VDC in case of readymade house purchase and loan against property.

Home is where the heart is..

Who Wants a Readymade House, When You Can Construct Your Own Dream House?

Need Extra Cash .......

Features

Required Documents

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