Global Mortgage Loan (Personal Loan)

Global IME Mortgage loan (Personal Loan)
!! Global IME Mortgage Loan/ Global Personal Loan is provided to suffice your personal financing/ business requirements such as for financing your long vacation plans, buying home equipments, electronics or any other unexpected needs. !!

Purpose
 

  • Financing your Personal/ Business needs.
  • Purchase of loan from another bank / financial institutions.
Features and Benefits:
  • Competitive premium rate.
  • Flexible Repayment Schedule: Monthly (EMI) or quarterly (EQI) basis or quarterly interest payment.
  • Fast approval process.
  • Prompt services.
  • Facility available in all branches.
  • Tenor: Maximum up to 15 years for installment basis and 1 year for revolving nature. 
  • Counseling to help better financing by our Relationship Managers throughout the process.

Eligibility
  • Nepalese Citizen above 21 years.
  • Salaried Individuals in permanent service with any credible organization.
  • Individuals with their own business/ self-employed persons.
  • Sustainable and sufficient source of income.
  • EMI /EQI– 50% of gross income.
  • EMI /EQI– 80% of uncommitted (disposable) income.
  • Purchasing of loan is subject to the satisfactory debt servicing to other Banks/FIs.

Documents Required

Identification
  • 2 Passport size photo of applicant.
  • Photocopy of citizenship certificate of Applicant & guarantor.
  • Family members name in detail.
  • Photocopy of Tax/PAN/VAT certificate along with registration certificate.

Proof of Income
  • Salary Certificate.
  • Photocopy of contract agreement between applicant and his/her employer.
  • Photocopy of Rent Contract if any.
  • Photocopy of audited/management prepared Financial Statements.
  • Self-declared income.
  • Others, if any.

Others
  • Loan application firm duly filled and signed in standard format of the Bank.
  • Current account of the applicant / borrower.
  • Net worth declaration.
  • Original Blue Print of the land (Napi Naksha) certified by concerned authority.
  • Copy of construction completion certificate from Municipality/Rural Municipality in case of purchasing already built house (Nirman Sampanna Pramanpatra).
  • Copy of land ownership certificate (Lalpurja).
  • Original latest land revenue receipt (Malpot Receipt).
  • Approved drawing of the building from Municipality/ Rural Municipality (Naksha Pass).
  • Copy of land Transfer Deed (Rajinama).
  • Original four Boundary Disclosure (Char Killa Pramanit) from ward office.
  • Approval letter of municipality for extension and renovation/modification  (if needed) of house.
  • In case of Purchasing of loan, loan statement from other banks and financial institution.
  • Multiple banking declaration.
  • Other documents stipulated by the Bank from time to time.

Refer to your nearest branches.

 

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