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Siddhartha Bank Home Loan
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Everyone deserves a home…build yours with Siddhartha Home Loan.

You can take advantage of our affordable and flexible home loans to purchase land, buy or build a house, furnish your home and much more.
Our team of experts will guide you through the process, from property valuation to structuring your eligibility and loan amount, appropriately.

Features (Hamro Ghar Karja)
  • Fixed Interest Rate @8.75% p.a and @8.49% p.a. for women for first seven years.
Features (Normal Home Loan)
  • To purchase building for residential.
  • To renovate/extend existing building.
  • To construct a building on existing land.
  • To purchase apartment or residential building in a housing colony.
  • Draw down as per prevailing rules and directives.
  • Easy payment scheme, lasting up to 25 years including moratorium.
  • Highly competitive interest rate and service charge.
  • Repayment on EMI or EQI Installments with appropriate moratorium period.

Required Documents

Personal Identification

  • 2 copies of photographs
  • Citizenship and/or Passport
  • Relationship Certificate (if applicable)
  • Marriage Certificate (if applicable)
  • Bank (deposit & loan) account statement of at least 6 months
  • Firm/Company Registration Certificate (if applicable)
  • PAN/VAT Certificate (if applicable)
  • Article of Association (AOA) and Memorandum of Association (MOA) (if applicable)
  • Partnership Deed (if applicable)
  • PAN Certificate of the individual (for loan amount above NPR 5 million)
  • Location Map (Residence & Office)

Collateral

  • Lalpurja/Land Ownership Certificate
  • Rajinama or Bakaspatra or Ansha-banda
  • Receipt from Malpot Office
  • Tax clearance certificate of building
  • Blueprint and trace map
  • Char Killa Pramanit
  • Approved house map
  • Nirman Sampanna Patra/Abhilekhikaran
  • Ghar Kayam in Lalpurja in case of existence of house

Income Source

  • Salary Certificate
  • Rental Agreement (if applicable) along with tenant’s identification
  • Audited financials of last 2 fiscal years (for business income)
  • Pension Certificate (Patta)
  • Copy of renewed/valid blue book of vehicle along with route permit (for transport business income)
  • Salary Certificate, work permit, valid passport with visa, pay slip and bank account statement (for foreign employment income)
  • Latest tax paid receipt or tax clearance certificate for all income (wherever applicable)

Check Loan Eligibility

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