Sajilo Laghu Karja

Need extra funds to achieve your personal or professional goals?

Kamana Sewa Sajilo Laghu Karza has got you covered! Our hassle-free loan with minimum interest rates and an extended payback period can help you finance your dreams. Just mortgage your fixed assets and watch your financial worries disappear!

Propose

• To fulfill the financing requirement of a customer against mortgages of real-estate collateral.
• Purchase of land and buildings and construction of house.
• Renovation and extension of existing house.
• Equity financing to meet a financial requirement of a client, etc.

• Maximum loan limit of NPR 2.5 million.
• Maximum Tenure: up to 30 years.
• Nature of loan: Term/OD.
• Repayment:
  • Term Loan : EMI Basis
  • Over Draft Loan: Monthly/Quaterly Interest
• 30% of Fair market value (FMV) for collateral inside Kathmandu Valley and 40% of FMV for collateral outside Kathmandu valley

• Passport size photo of applicants / guarantor.
• Copy of citizenship document of borrowers / guarantor.
• Nature of loan: Term/OD.
• Copy of Land ownership document (lal purja).
• Copy of Transfer deed (Rajinama) if cooling period is not complete.
• Blue Print of Land.
• Building construction approval from Municipality / VDC along with drawing plans (applicable where building is involved).
• However, drawing of building is not mandatory for Loan size up to 0.4 million.
• Char Killa (four boundary).
• Land revenue Tax Receipt (malpot receipt).
• Income certifying document (Salary letter, Audited balance sheet, rental agreement etc).
• Minimum Age of 18 years completed. Maximum age 70 years at the time of maturity.
• Building completion certificate from Municipality/VDC in case of readymade house purchase and loan against property.
• Income may be self-declared by borrower and/or certified by concerned authority.