Target Customer

  • Professional/Businessman with reliable income

Purpose

  • Purchase of Assets or loan against already owned property
  • Application of loan for business investment to meet working capital requirement and fixed asset investment.

Basic Eligibility Criteria

  • Targeted to small business people with reliable source of income such as business income, salary, income from house rent, remittance, interest on Fixed deposit etc

Loan Type Term Loan Working Capital (OD)
Loan Limit Rs. 0.50 Million to Rs. 5 Million Maximum Rs. 4 million
Loan Repayment On Equal Monthly Installment (EMI) basis Annual Renewal basis
Loan Tenure Up to 7 Years Annual Renewal basis

10.50%

-

11.50%

Overdraft

how much would you like to borrow?

Get an idea of your repayments and rates using our Himalayan Bank calculator. The results will be based on the

representative APR for the amount you enter. Your actual rates and repayments will be based on your personal

circumstances, the loan amount and the repayment term.

Amount

NRs

Term

in Months

monthly repayment

NRs. -

the same every month

total amount payable

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the same every month

Annual Percentage Rate

Select Interest rate

based on the details you entered

helpful documents

ID related documents:

Citizenship Certificate of Applicant and property owner

Two Passport size photographs

Legal heir Certificate of property owner (Relationship Certificate)


If income shown is from Business

Firm/Company Registration/PAN/VAT Registration

Article of Association/Memorandum of Association

Partnership Deed

Tax Clearance Certificate/Tax payment Receipt


Security/Collateral related documents:

Property Title Deed (Lalpurja)

Blue Print of Cadastral Map (Napi Naksa)

Certificate of local government office regarding information of Boundaries (Charkilla)

Approved sketch of the Building

Trace Map

Construction completion certificate (If Fixed Asset Collateral consist of building along with Land)

Tax clearance of property


Income Source related documents:

Salary Certificate

Rental agreement (if any) with identification of tenant

Profit and Loss Account/Balance Sheet for two Fiscal Years (if business income)


Besides above documents, additional documents may be required on case to case basis as required by the bank management

FAQs

  • FAQ for this section is coming soon

Expression of Interest Section