Home Loan

Home Loan is best of its kind product in the contemporary market that offers attractive features yet simple procedures. Coupled with competitive pricing and quick loan processing, we offer Home Loan for purchase of land, land & building, apartment, house construction & renovation, refurbishing the existing one etc that supports to make your dream home a reality. Pay your visit to any of the Sanima’s Branches and experience our service.
Facility is available for:
- Purchase of land/house, apartment
- House construction, renovation/extension, refurbishing of existing house
- Loan takeover of Home Loan already financed by other Bank and Financial Institutions
Loan Features:
- Tenure: Flexible up to 25 Years
- Service Charge: 0.75% on approved loan limit
- Financing: Maximum up to NPR 30 million           
Loan Eligibility Criteria:
- Working Professionals
- Salaried Individuals
- Self-Employed Individuals
Documentary Requirement:
- Citizenship certificate
- Passport size photographs
- Land ownership certificate (Lal Purja) with Rajinama/Bakaspatra etc.
- Land revenue and property tax paid receipt (recent)
- Approval of construction, approved house map and construction completion certificate (as appropriate)
- Blue Print, Trace Map and Four Boundary Disclosure (char killa) of land
- Bank account statement for at least 3 – 6 months’ time 
- Recent Salary Certificate
- Rental agreement (if any) with an identification of tenant
- Copy of blue book of vehicle (in case of vehicle income)
- Firm/Company Registration, PAN, Article & Memorandum of Association, P/L statement and Balance Sheet of firm/company (in case of business income)
- Valid passport/visa, work permit, employment/salary certification from the employer, recent pay slip/bank account statement etc in case of foreign employment
- Personal PAN card is required if loan amount is NPR 10 million and above



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