| Loans & Advances |
We are providing loan services on the following sectors:
| Hire Purchase |
Housing Loan |
| Business Loan |
Education Loan |
| Foreign Employment Loan |
| Loan against Fixed Deposit |
| Loan in against Share Cetificate |
| Loan against share certificate |
| Loan for land development |
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Housing Loan: 
Providing Loan for construction, maintenance &
furnishing of house. KAFAL has lunched a scheme to meet the requirement
of home seekers for direct housing finance, for individual’s house
construction /acquisition, land development, Purchase of land and also
for maintenance & renovation of house/building.
Business Loan:
For Business setup, purchase fixed assets for business.
Hire Purchase:
Vehicle for private use and for public uses by which person cat generate
income and fulfill the desire of own vehicle (insurance of the vehicle
is compulsory)
Share loan:
Share loan flows against the listed reputed bank/finance
company’s share certificates for fulfillment of your urgent cash
requirement.
Educational Loan:
With taking proper security, educational loan to be
flow for the students, who wants to read inside Nepal and abroad in higher
level education.
Working capital:
Loan provided for regular fixed cost for operating
the business.
Agriculture loan:
For agriculture development (i.e. vegetable farming,
poultry farming, etc.)
Foreign Employment:
For the individual going abroad for the job, for which work permit visa
to be submitted.
Criteria for all loans:
- Amount of loan:
Minimum Rs. 50000. Maximum Rs. 1 Crore.
- Security:
The immovable property (Land and Building) within core city of
the Kathmandu Valley, with Motor able link road, for share loan
shares certificates of listed companies prescribed by this Bittiya
Sanstha.
- Service Charges:
1% for 1 Year service charge (Except Share Loan)
for share loan 0.25% for 1 year.
- Income Source:
Income source documents required, regular/high income source person
are prioritized.
- Purpose of Loan:
Must be Crystal clear for specific purpose
- Block & Mortgaged Charges:
The applicant should bear the charged amount.
- Engineering Valuation charges:
The applicant is responsible to pay (if loan amount is more than
6 lakhs)
- Duration for approval of loan:
Minimum 1 week from the date of complete documents submission
|
| Loan & Advanced Interest
Rate per annuam |
Hire Purchase
|
13.0% |
|
| Housing loan |
13.0% |
|
| Share |
11.0% |
|
| Trade Loan |
12.0% |
|
| Agriculture, Education |
13.0% |
|
| Other loan |
14.0% |
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