Home Loan Overview Loan Calculator Rates & Fees Docs Needed Eligibility FAQ OverviewLoan CalculatorRates & FeesDocs NeededEligibilityFAQ “Owning a home is the most desirable thing for all, it acts as your fiscal health and mental security” Janata Bank makes this wish come true. We offer one of the most feature-packed home loans in Nepal. We intend to make the process to get a home loan simpler, transparent and a remarkable experience for our customers. The loan is available at very competitive rates of interest, currently available in the industry. We provide loans for the following purposes:Purchase of an apartmentConstruction of houseRenovation/extension of housePurchase of ready built housePurchase of bungalow developed by housing developer Quick Processing Time Low interest rates Low Processing charges No hidden costs Flexible loan tenure up to 25 years EMI payment solutionEMI Calculator Amount (in NPR)Min 10000 Rate of interest (%)Min 1 Loan Terms (in years)Min 1 Monthly EMI: Check EligiblityBreakup of Total PaymentPrincipal:Rs. 300,00,0.0Interest Payable:Rs. 300,00,0.0Total Amount Payable:Rs 645,55,55566Please fill your details for eligibility check Your Eligibility For Home Loan Loan Amount (in NPR)Min 10000 Rate of interest (%)Min 1 Loan Terms (in years)Min 1 Monthly Income Monthly Expense SubmitCongratulations! You seem to be eligible for this loan. Click apply now to apply for Home Loan! Apply NowSorry! You are not elibible for this loan. Plase click apply now to apply for Home Loan! Apply NowAt Janata Bank, we believe in providing the best of offers to our customers in terms of interest rates and minimal service fees.Interest Rate: As per Interest Rates published by the Bank from time to time.Other Charges: As per Bank’s Schedule of Service Charges (SSC).Valuation Charge: On actual cost basisCIC Charge: On actual cost basisIdentificationPhotograph (2 copies each)Citizenship and/or PassportRelationship Certificate (if applicable)Marriage Certificate (if applicable)Bank (deposit & loan) account statement of at least 6 monthsFirm/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 individual (Loan amount equal or above NPR 10M)Location Map (Residence & Office)Security/CollateralLand Ownership Certificate (Lalpurja)Rajinama or Bakaspatra or Ansha-banda paperLatest Land Revenue paid receipt “Tiro tireko receipt”Blue Print & Trace MapChar killa Pramanit from ward officeApproved Building MapConstruction completion certificate of buildingIncome SourceSalary certificateRental agreement (If any) along with tenant’s identificationAudited financials of last 2 fiscal years (If business income)Pension Certificate (Pension Patta)Copy of renewed/valid blue book of vehicle along with route permit (If income is from commercial vehicle)Salary certificate, work permit, valid passport with visa, pay slip and bank account statement (If income is from foreign employment)Home Loan eligibility is calculated after considering various factors including:Age of applicant/co-applicant:-Minimum age of 21 years at the time of loan origination-Maximum age of 58 years at the time of loan maturityAll individuals having sufficient level of income to repay EMIsSalaried individual – Should be in permanent service and 2 years job experienceSelf-employed individual (Business should be at least 2 years in commercial operation) – Start-up ventures will need proper justification.The plot should have at least 8 feet wide road with motorable accessThe plot should be free from Guthi and/or MohiThe plot should be far away from high tension lineThird party collateral is not acceptable What is a Home Loan? Home loan is a loan disbursed by a bank or financial institution (lender) to an individual specifically for buying a residential property. What is the tenure of a home loan? Home loans are long term borrowing instruments with a minimum tenure of 2 years and a maximum tenure of 25 years. The tenure offered to you for your home loan depends on your regular income and other factors. What is an EMI? Equated Monthly Instalment (EMI) is a fixed amount paid by you to the bank on a specific date every month. The EMIs are fixed when you borrow money from the bank as a loan. EMIs are used to pay both interest and principal amount of a loan in a way that over a specific number of EMIs, the loan amount is repaid to the bank along with interest. How much money can I borrow for a Home Loan? This will depend on a number of factors including your employment status, your income (and your partner’s income if you are taking out a joint loan) your living expenses and any other debt you might hold, including credit cards. What if I default? Banks charge a late-payment fee upon delay on repayment. In case of an unfortunate event owning to which you are not able to repay your loan, the bank will have the right to possess the property and auction it to recover losses.Online BankingLocker ServicesEnsure Peace of Mind by Keeping your Valuables Safe Learn MoreMobile BankingWith Janata Bank Mobile Banking discover quick, simple and convenient ways to take command of your bank account on your mobile phone. Learn MoreInternet BankingInternet Banking is a convenient way to do banking from the comfort of your home or office. 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