Basic Eligibility Criteria

  • Any Nepalese Individuals of at least 21 Years of age having stable, steady and reliable source of income from job, rent, pension, remittance supported by the document.
  • Age of the applicant and the loan tenure collectively should not exceed Seventy years.
  • Must be able to provide unencumbered fixed assets collateral as primary security. The proposed site should have accessible road of at least 8 feet width.

Repayment Of Home Loan

  • On Equal Monthly Installment (EMI) basis.

Targeted Customer

  • Individuals of middle and upper middle class income group with regular, adequate, steady and stable source of income.

Loan Tenure

  • 3 to 25 Years

Loan Limit

  • Minimum Rs. 0.50 Million (5 Lacs) to Rs. 15.00 Million (Rs. 1 Crore 50 Lacs)
  • For purchase of land alone- Maximum Rs. 7.5 Mil. (Rs. 75 Lacs)

Type of Home Loan Scheme

Type of Home Loan Purpose Maximum Financing
Home loan purchase Purchase of house
Purchase of land alone
80% of purchase Value
60% of purchase Value
Home Loan Construction Construction of Houses 100% of cost estimate
Home Loan Extension Additions/extension/renovation
100% of cost estimate

Attached file with this article

Download this file (Home_Loan_application_english.pdf)

Frequently Asked Questions

Who Can Open An Account?

Any individuals or a group of individuals or a company/institution holding a valid ID as per the bank’s requirement can open an account.

Where Do I Go To Open An Account?

You may visit any of our HBL Branches nearest to your locality to open the account

For customers residing outside Nepal, we have our Representative Officers deployed at selected countries.You may contact them for the needful.

How Long Will It Take To Open An Account?

Upon submitting the completely filled ‘Account Opening Form’, it may take 15 – 20 minutes depending upon the type of the account.

What Are The Applicable Fees & Charges While Maintaining An Account With HBL?

To open an account, one has to maintain the minimum balance required as per the Account Type. No additional charges besides this will be levied.

Who Will Help Me Open An Account?

Our Customer Services Executives deployed at our branches will help you to open an account.

For prospective customers living abroad, you may contact our Representative Officers for the required support.

Can My Friend Open An Account For Me?

No, one has to visit the branch personally to open an account.

However, for company account the authorized agent can open an account on behalf of the company.

Can I Transfer My Account From One Branch To Another?

Yes, you can transfer your account from one branch to another. No charges will be levied for such transfers.

Can I Authorize Someone Else To Operate My Account On My Behalf?

Yes, you can authorize someone else to operate your account. Such authorized person’s are called ‘Mandatee’. Once the Mandatee is appointed, he/she will be fully authorized to carry out all the debit/credit transactions from the respective account holder’s account. For detailed information about Mandatee and Mandatee appointment procedures, you may speak to our Customer Services Executive at the HBL Branches.

Who Can Acquire The Internet Banking Services?

Any customer maintaining bank account with HBL can acquire Internet Banking Service

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