NIC ASIA ATHOT Ghar Karja is a new loan product of the Bank designed to cater acquiring or developing personal residential property.

<ul>
<li>Minimum: NPR 2.5 million</li>
<li>Maximum: Up to NPR 80 Mio not exceeding Group Limit Exposure of NPR 120 Mio</li>
</ul>

<ul>
<li>Minimum tenor of 5 years.</li>
<li>Maximum 25 years including moratorium period.</li>
</ul>

<ul>
<li>Average Base Rate + 1.81% Premium*</li>
<li>*Interest rate shall be as published by the Bank from time to time</li>
</ul>

<ul>
<li>Up to 60% of Fair Market Value as per Bank&rsquo;s valuation Guideline or equivalent to Thaili amount (in case of non-elapse of cooling off period) whichever is lower.&nbsp;</li>
<li>In case of &ldquo;First Home Buyer&rdquo; customers availing loan up to NPR 20 million: Up to 70% of Fair Market Value as per Bank&rsquo;s valuation Guideline or equivalent to Thaili amount (in case of non-elapse of cooling off period) whichever is lower</li>
</ul>

<ul>
<li>Minimum 21 years</li>
<li>Maximum 70 years (at the time of maturity of loan)</li>
</ul>

<ul>
<li>Equated Monthly Installment (EMI) should not exceed 50% of Monthly Gross Income after deducting other loan obligations.</li>
<li>In case of &lsquo;First Home Buyer&rsquo; customers availing loan up to NPR 20 million EMI should not exceed 60% of Monthly Gross Income after deducting other loan obligations.</li>
</ul>

<ul>
<li>Payment of installment (EMI) on Monthly basis</li>
</ul>

<ul>
<li>As per Bank charges ( <a href="../framework/uploads/STC-April-2023.pdf" target="_blank" rel="noopener">Click Here</a>).</li>
</ul>

NIC ASIA ATHOT Ghar Karja OD is an overdraft facility with minimum loan amount of NPR 0.4 million to maximum up to NPR 5 million which will provide flexibility for withdrawal of funds and helps the customers to meet personal requirement of funds for various purposes.&nbsp;
&nbsp;
<ul>
<li>Tenure: 1 Year revolving.</li>
</ul>

NIC ASIA presents &ldquo;NIC ASIA ATHOT Ghar Karja&rdquo; and &ldquo;NIC ASIA ATHOT Ghar Karja OD&rdquo; under Claims Secured by Personal Residential Properties with attractive features.&nbsp;

<ul>
<li>Minimum&nbsp;NPR 2.5 million to Maximum NPR 80 Mio not exceeding Group Limit Exposure of NPR 120 Mio</li>
<li>Up to 60% of Fair Market Value as per Bank&rsquo;s valuation Guideline</li>
</ul>

*Note: All other terms and conditions shall be as guided by Bank&rsquo;s Policy. In addition, to above mentioned parameters the Bank can analyze other details too, where deemed necessary.

Features

Loan

Term Loan

NIC ASIA Claims Secured by Personal Residential Properties

<ul>
<li>Ordinary Shares of the companies which are included in the acceptable list of companies of the Bank are only accepted as security for Loan against Shares.</li>
</ul>

Type of Shares to be Accepted as Security

स्वीकार्य धितोपत्र

<ul>
<li>Demand Loan and/or Overdraft Loan</li>
</ul>

सुविधाको प्रकार

<ul>
<li>Minimum: NPR. 5 million</li>
<li>Maximum: Overdraft NPR 5 million and Demand Loan&nbsp; NPR 120 million provided that total limit shall not be more than NPR 120 million.</li>
</ul>

<ul>
<li>न्यूनतम रु.५० लाख</li>
<li> अधिकतम रु. १२ करोडसम्म (ओभरड्राफ रु. ५० लाख र माग कर्जा रु. १२ करोड) &nbsp;</li>
</ul>

<ul>
<li>Average Base Rate + 1.81% Premium *</li>
<li>Note: *Interest rate shall be as published by the Bank from time to time</li>
</ul>

<ul>
<li>बैंकले प्रकाशित गरे अनुसारका</li>
</ul>

<ul>
<li>Ordinary Shares
<ul>
<li>Valuation of shares to be pledged as security is to be done on the basis of closing average price of last 180 days as published by Nepal Stock Exchange Limited or prevailing market price whichever is lower. Loan can be extended only up to 70% of value of shares as per Bank&rsquo;s Acceptable list of Companies for Loan against Shares and Applicable Drawdown % allowed.</li>
</ul>
</li>
</ul>

<ul>
<li>Minimum 21 years</li>
<li>Maximum 70 years</li>
</ul>

<ul>
<li>न्यूनतम २१ वर्ष</li>
<li>अधिकतम ७० वर्ष</li>
</ul>

<ul>
<li>As per the Bank&rsquo;s Standard Tariff Charges (STC).&nbsp;</li>
</ul>

<ul>
<li>बैंकले तोकेको मापदण्ड (एसटीसी)अनुसार</li>
</ul>

NIC ASIA BANK presents loans against share facilities where customers can avail loans for ordinary shares of listed companies in Nepal Stock Exchange and as per Bank&rsquo;s approved acceptable list of companies. The loan is offered maximum up to 70 percent of the closing average price of last 180 days as published by Nepal Stock Exchange Limited or prevailing market price whichever is lower.

<ul>
<li>
Minimum NPR 5 million to Maximum 120 million (OD NPR 5 Million and Demand Loan 120 Million)
</li>
</ul>

*Note: All other terms and conditions shall be as guided by Bank&rsquo;s Policy. In addition, to above mentioned parameters the Bank can analyze other details too, where deemed necessary.

*नोट: अन्य सबै नियम र सर्तहरू बैंकको नीतिद्वारा निर्देशित हुनेछन्। साथै, माथि उल्लिखित मापदण्डहरूमा, बैंकले आवश्यक ठानेमा अन्य विवरणहरू पनि विश्लेषण गर्न सक्छ।

Product Features

उत्पादन सुविधाहरू

Demand Loan and/or Overdraft Loan

NIC ASIA ATHOT Loan against Share

NIC ASIA ATHOT शेयर कारोबार कर्जा

<ul>
<li>To finance the short term fund requirement of fixed deposit </li>
</ul>

<ul>
<li>Bank's own Fixed Deposit</li>
</ul>

<ul>
<li>lnterest Payment: Quarterly</li>
<li>Principal Payment: At Maturity</li>
<li>Renewable : Yes</li>
</ul>

<ul>
<li>lndividual NPR FD holders (excluding minor and blacklisted Eligibility Criteria custome0&nbsp;</li>
</ul>

<ul>
<li>Lien on total coupon amount of FD irrespective of the loan request amount&nbsp;</li>
</ul>

<ul>
<li>Lower of 90% of fixed deposit amount or NPR 200,000</li>
</ul>

<ul>
<li>Max 1 year or maturity of the Fixed deposit wh ichever is earlier</li>
</ul>

Loan against fixed deposit (LAFD) is a digital loan product offered by the Bank catering the emergency fund requirement of fixed deposit customers to the extent of Rs.2 Lakh instantly through Bank&rsquo;s mobile banking application and website. LAFD is provided to the existing Fixed Deposit Account holder against the lien on Fixed Deposit.
The customers will experience the instant loan disbursement service available at their fingertips without any documentation.
Any loan amount equal to or below 200,000 shall be immediately credited to the customer's savings account upon a successful submission of application. However, if the customer wishes to apply for a loan amount exceeding 200,000, they must visit the branch for additional processing. The procedures and functionalities for LAFD above 200,000, applied through digital channels, will follow the existing credit policy and product guidelines.

<ul>
<li>Quick Processing of Loan</li>
<li>No Pre-payment charges</li>
</ul>

Demand Loan

Loan Against Fixed Deposit

To support your financial expenses.

आवश्यक व्यक्तिगत आयस्रोत हुनुपर्ने &nbsp;

Term Loan and Overdraft/ Demand Loan

Only Nepalese Residential with Salaried Income, Pensioners and professionals residing in Nepal.
<ul>
<li>Minimum Age : 23 Years at the time of loan processing.</li>
<li>Maximum :&nbsp;Remaining service tenure or 58 Years at loan maturity, whichever is earlier. However, in case of loan against pension income the maximum age of borrower shall be 68 years at the time of loan application.</li>
</ul>

तलबी कर्मचारी, अवकाश प्राप्त कर्मचारी र व्यवसायीक नेपाली नागरिक&nbsp;
<ul>
<li>न्यूनतम उमेर: कर्जा लिने समयमा २३ वर्ष पुगेको</li>
<li>अधिकतम उमेर : अवकास लिन समयसम्म वा कर्जा म्याचुअर हुने समयमा ५८ वर्ष, जुन पहिला हुन्छ । तर, पेन्सनमा आधारित कर्जा लिनु भएको व्यक्तिलाई निवेदन दिने समयमा अधिकतम उमेर ६८ हुनसक्छ ।&nbsp;</li>
</ul>

<ul>
<li>Minimum: For Loan against Pension Income, NPR 100K For others, NPR 300K</li>
</ul>
<ul>
<li>Maximum: Up to NPR. 15 Lakh, where Overdraft/Demand Loan shall be within NPR. 5 Lakh. In case of loan against pension income: Up to NPR 5 Lakh.</li>
</ul>

<ul>
<li>न्यूनतम : पेन्सनमा आधारित कर्जालाई न्यूनतम रु. १ लाख, अरुलाई रु. ३ लाख</li>
<li>अधिकतम: रु. १५ लाखसम्म, ओभरड्राफ र माग कर्जा रु. ५ लाख भित्र हुनुपर्ने छ ।&nbsp; पेन्सनमा आधारित कर्जा भएमा &nbsp;अधिकतम रु. ५ लाख ।&nbsp;</li>
</ul>

For Loan against Pension Income: Up to 1 year
For others
<ul>
<li>Term Loan&nbsp;: Up to 7 Years.</li>
<li>Overdraft/ Demand Loan&nbsp;: 12 months. Renewal shall be done subject to satisfactory annual review and clearance.</li>
</ul>

पेन्सन कर्जाको लागि १ वर्षसम्म
अरुको हकमा
<ul>
<li>आवधिक कर्जा : ७ वर्षसम्म</li>
<li>ओभरड्राफ र माग कर्जा : १२ महिना नवीकरणको विषय ग्राहकको कारोबारको विश्वसनीयतमा निर्भर हुने छ ।&nbsp;</li>
</ul>

अधिकतम कर्जा समयावधि

बैंकले प्रकाशित गरे अनुसारको ।

As per Standard Tariff of Charges (STC).

बैंकले तोकेको मापदण्ड (एसटीसी)अनुसार

NIC ASIA Personal Loan is a non-collateral based loan scheme specially designed to facilitate your diverse personal financial requirements if you are a Nepalese Salaried individual, Pensioners, professionals residing in Nepal.
A personal loan is purely based on your credibility as our valued customer and offers to hassle-free services along with the fastest service delivery and easy documentation procedure.Get flexible loan tenures, easy loan repayment options, and most importantly as per Published Interest Rate of the Bank.

&lsquo;एन आई सी एशिया व्यक्तिगत कर्जा&rsquo; जागिरे, अवकास प्राप्त वा कुनै व्यवसाय गरिरहनु भएका नेपाली नागरिकलाई वित्तीय आवश्यकता पूरा गर्न तयार गरिएको विना धितोमा आधारित कर्जा हो ।
व्यक्तिगत कर्जा पूर्णरुपमा ग्राहक महानुभावको विश्वसनीयतामा आधारित सरल र सहज कर्जा सुविधा हो । बैंकले प्रकाशन गरेको ब्याजदरमा आफूले चाहेको समयावधि छानेर सरल रुपमा ऋण भुक्तानी गर्न सक्नुहुन्छ ।&nbsp;

<img src="../framework/uploads/Icons/pp.png" alt="" width="32" height="32" />Citizenship certificate

<img src="../framework/uploads/Icons/pp.png" alt="" width="32" height="32" />नागरिकता प्रमाणपत्र

<img src="../framework/uploads/Icons/VIsa.png" alt="" width="25" height="33" />Passport copy

<img src="../framework/uploads/Icons/VIsa.png" alt="" width="25" height="33" />राहदानी प्रतिलिपि

<img src="../framework/uploads/Icons/pp.png" alt="" width="32" height="32" />Photograph

<img src="../framework/uploads/Icons/pp.png" alt="" width="32" height="32" />फोटो

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Marriage certificate

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />विवाह प्रमाणपत्र

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Relationship certificate (where applicable)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />सम्बन्ध प्रमाणपत्र (जहाँ लागू हुन्छ)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Income source verification documents&nbsp;

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />आय स्रोत प्रमाणिकरण कागजातहरू

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Bank account statements

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />बैंक खाता विवरणहरू

Required Documents

आवश्यक कागजातहरू

Personal Loan

<ul class="ul-style">
<li>Loan amount maximum : Up to NPR. 15 Lakh, where Overdraft/Demand Loan shall be within NPR. 5 Lakh.</li>
<li>Term Loan and Overdraft/ Demand Loan.</li>
<li>Term Loan : Up to 5 Years.</li>
</ul>

<ul>
<li>अधिकतम ऋण: अधिकतम रु १५ लाख (ओभरड्राफ&divide;डिमान्ड लोन रु ५ लाखभित्र हुनुपर्ने)।</li>
<li>टर्म लोन र ओभरड्राफ्ट/डिमांड लोन।</li>
<li>अवधि ऋण: 5 वर्ष सम्म।</li>
</ul>

*Note: Other Terms and Conditions shall be as per the Bank&rsquo;s Policy. In addition, to the above-mentioned parameters, the Bank can analyze other details too, where deemed necessary.

*नोट: अन्य नियम र सर्तहरू बैंकको नीति अनुसार हुनेछन्। साथै, माथि उल्लिखित मापदण्डहरूमा, बैंकले आवश्यक ठानेमा अन्य विवरणहरू पनि विश्लेषण गर्न सक्छ।

Non-Collateral Based

व्यक्तिगत ऋण

Auto Loan – Red Plated Private Vehicle:

सवारीसाधन कर्जा - रातो प्लेट भएको निजी गाडी

To purchase/finance four-wheeler Red-Plated Private Vehicle.

कम्पनी, फर्म वा अन्य कुनै व्यक्तिगत रुपमा संचालन गरेको व्यवसायको लागि चाहिने रातो प्लेटको चार पांग्रे गाडी खरिद &nbsp;

<ul>
<li>Minimum Age: 20 Years</li>
<li>Maximum Age: 70 years at loan maturity</li>
</ul>

<ul>
<li>न्यूनतम उमेर : २० वर्ष</li>
<li>अधिकतम उमेर : कर्जा परिपक्क हुने समयमा ७० वर्ष</li>
</ul>

<ul>
<li>Minimum: 5 Lakh</li>
<li>Maximum: 2 crore</li>
</ul>

<ul>
<li>न्यूनतम : रु. ५ लाख</li>
<li>अधिकतम : रु. २ करोड</li>
</ul>

अधिकतम १५ वर्ष*

<ul>
<li>Petrol/ Diesel Vehicle:Up to 50% of the VAT bill.</li>
<li>Electric vehicle: Up to 80% of VAT bill.</li>
</ul>

<ul>
<li>पेट्रोल/डिजेल गाडी: भ्याट बिलको ५०% सम्म</li>
<li id="tw-target-text" class="tw-data-text tw-text-large tw-ta" dir="ltr" data-placeholder="Translation">बिजुली गाडी: भ्याट बिलको ८०% सम्म</li>
</ul>

बैंकले तोकेको मापदण्ड (एसटीसी)अनुसार&nbsp;

Auto Loan - Red Plated Business Use Vehicle:

सवारीसाधन कर्जा: रातो प्लेट भएको व्यवसायीक प्रयोगको गाडी

Financing Red-Plated Vehicles for a business purpose of self-owned business like-companies, proprietorship, and partnership firms in the name of business entities.

रातो प्लेटको चार पांग्रे गाडी खरिद&nbsp;

Business Operation should be at least 2 years from the date of establishment for firm/companies.

व्यवसाय स्थापना गरेर संचालन गरेको २ वर्ष पुगेको

<ul>
<li>Minimum: 4 Lakh</li>
<li>Maximum: 2 Crore</li>
</ul>

<ul>
<li>न्यूनतम : रु. ४ लाख</li>
<li>अधिकतम : रु. २ करोड</li>
</ul>

अधिकतम १५ वर्ष

भ्याट बिलको ८०% सम्म

Auto Loan - Red Plated Semi- Commercial Vehicle

सवारीसाधन कर्जा: रातो प्लेट अर्ध व्यवसायीक सवाधरी साधन

Financing Red-Plated Vehicles in the name of an individual for the purpose of income generation, renting and leasing to other registered firms.

<ul>
<li>Minimum Age: 21 years</li>
<li>Maximum Age: 70 years at loan maturity</li>
</ul>

<ul>
<li>न्यूनतम उमेर : २१ वर्ष</li>
<li>अधिकतम उमेर : कर्जा परिपक्क हुने समयमा ७० वर्ष</li>
</ul>

<ul>
<li>Minimum : NPR. 4 Lakh.</li>
<li>Maximum : NPR. 2 Crore.</li>
</ul>

<ul>
<li>न्यूनतम: रु. ४ लाख</li>
<li>अधिकतम: रु. २ करोड</li>
</ul>

अधिकतम ६ वर्ष&nbsp;

भ्याट बिलको ५०% सम्म

सवारीसाधन कर्जा : हरियो प्लेट सवारीसाधन

To purchase/finance Green Plated Vehicle.

हरियो प्लेट सवारीसाधन खरिद &nbsp;

कम्पनी दर्ता भएपछि कम्तिमा २ वर्ष सञ्चालन भएको ।

<ul>
<li>Minimum:NPR. 4 Lakh.</li>
<li>Maximum: NPR. 2 Crore</li>
</ul>

अधिकतम ७ वर्ष&nbsp;

Maximum Up to 80% of the VAT bill.

अधिकतम भ्याट बिलको ८०% सम्म

Auto Loan - Black Plated Commercial Vehicle

सवारीसाधन कर्जा : कालो प्लेट भएको व्यवसायीक सवारीसाधन

To purchase/finance/ body building of Black Plated Commercial Vehicle.

कालो प्लेटको सवारीसाधन खरिद वा बोडी पार्ट निर्माण

<ul>
<li>For Business:
<ul>
<li>Business Operation should be at least 2 years from the date of establishment for firm/companies.</li>
<li>Maximum Age : 70 Years at loan maturity.</li>
</ul>
</li>
</ul>
<ul>
<li>For Natural Person:
<ul>
<li>Minimum Age Criteria :21 Years for Taxi Financing and 25 Years for other types of vehicle financing.</li>
<li>Maximum :65 Years at the time of the loan maturity.</li>
</ul>
</li>
</ul>

<ul>
<li>व्यवसायको लागि:
<ul>
<li>स्थापना भएपछि कम्तिमा २ वर्ष व्यवसाय सञ्चालन भएको</li>
<li>अधिकतम उमेर: कर्जा परिपक्क हुने समयमा ७० वर्ष</li>
</ul>
</li>
<li>प्राकृतिक व्यक्तिको लागि 
<ul>
<li>न्यूनतम उमेरको हद: ट्याक्सी फाइनान्सको लागि २१ वर्ष र अन्य गाडीको लागि २५ वर्ष</li>
<li>अधिकतमः कर्जा परिपक्क हुने समयसम्म ६५ वर्ष</li>
</ul>
</li>
</ul>

<ul>
<li>Taxi Financing: Maximum up to 7 Years.</li>
<li>Others: Maximum up to 5 Years.</li>
</ul>

<ul>
<li>ट्याक्सी फाइनान्सी: अधिकतम ७ वर्ष</li>
<li>अन्यको लागि: अधिकतम ५ वर्ष</li>
</ul>

Maximum Up to 50% of the VAT bill*.

भ्याट बिलको अधिकतम ५०% सम्म

As per Bank's Standard Tariff Charges.

Auto Loan : Second Hand Vehicle Financing

सवारीसाधन कर्जा:  सेकेन्डह्याड सवारीसाधन फाइनान्सिङ

To finance second hand Red Plated Private Vehicle.

रातो प्लेटको सेकेन्ड ह्यान्ड निजी सवारीसाधन वा ट्याक्सी खरिद

<ul>
<li>Age of Applicant:
<ul>
<li>minimum age: 20 Years</li>
<li>maximum 70 Years at loan maturity</li>
</ul>
</li>
</ul>

<ul>
<li>उमेर
<ul>
<li>न्यूनतम उमेर: २० वर्ष</li>
<li>अधिकतम उमेर: कर्जा परिपक्क हुने समयमा ७० वर्ष</li>
</ul>
</li>
</ul>

<ul>
<li>For Red Plated Private Vehicle:
<ul>
<li>Should not exceed 15 Years* at the time of loan maturity from the date of Initial registration.</li>
</ul>
</li>
</ul>
<ul>
<li>For Taxi:
<ul>
<li>Should not exceed 10 years at the time of loan maturity from the date of Initial registration.</li>
</ul>
</li>
</ul>

<ul>
<li>रातो प्लेटको गाडी:
<ul>
<li>सवारीसाधन दर्ता भएको मितिदेखि कर्जा परिपक्क हुँदाको समयसम्म १५ वर्ष नकटेको ।</li>
</ul>
</li>
<li>ट्याक्सीको लागि:
<ul>
<li>गाडी दर्ता भएको समयदेखि कर्जा परिपक्क हुने समयसम्म १० वर्षभन्दा धेरै सञ्चालन नभएको ।</li>
</ul>
</li>
</ul>

सवारीसाधन संचालन गरेको वर्ष

<ul>
<li>Minimum: NPR. 4 Lakh.</li>
<li>Maximum: NPR. 2 Crore.</li>
</ul>

<ul>
<li>न्यूनतम: रु. ४ लाख</li>
<li>अधिकतम: रु.२ करोड&nbsp;</li>
</ul>

<ul>
<li>For Red Plated Private Vehicle:Maximum up to 10 Years*.</li>
<li>For Taxi: Maximum up to 5 Years.</li>
</ul>

<ul>
<li>रातो प्लेट भएको सवारी: अधिकतम १० वर्ष</li>
<li>ट्याक्सी : अधिकतम ५ वर्ष&nbsp;</li>
</ul>

Maximum Up to 50% of purchase price or independent valuation report, whichever is lower.

खरिद मूल्य वा स्वतन्त्र मूल्यांकन रिपार्टको अधिकतम ५०% सम्म (जुन कम हुन्छ)

NIC ASIA Auto loan is an exclusive financing option to &ldquo;move in style&rdquo; by owing a vehicle of your own choice. It aims to support you as our esteemed customer to procure any type of four-wheeler and above vehicle with a comfortable Equated Monthly Installment (EMI) payment option.&nbsp;
The scheme incorporates vehicle loan up to 80% and is available with a simple and hassle-free loan processing system. To enhance and upgrade the customer&rsquo;s automobile experience, there are varieties of auto loan facilities.
For more information/inquiries, please contact the nearest branch or type&nbsp;&ldquo;AUTO&rdquo;&nbsp;and send&nbsp;SMS to 34488.

एन आई सी एशिया बैंकको सवारीसाधन कर्जा आफ्नो रोजाईको गाडी किन्ने सक्ने एक राम्रो वित्तीय विकल्प हो । यस कर्जाको उद्देश्य भनेको हाम्रा ग्राहक महानुभावहरुलाई चार पाँग्रे वा अझ माथि गाडी किन्न उपलब्ध गराइएको इएमआई भुक्तानी सुविधा हो ।
यस योजनामा सरल र सहजरुपमा ८० प्रतिशतसम्म कर्जा सुविधा उपलब्ध गराने सुविधा रहेको छ । ग्राहक महानुभावहरुलाई सवारीसाधन किन्न विभिन्न प्रकारका सवारीसाधन कर्जा उपलब्ध गराइएको छ ।
थप जानकारीको लागि नजिकैको शाखामा सम्पर्क गर्न वा ब्ग्त्इ टाइप गरी ३४४८८ मा म्यासेज पठाउनुहोस् ।

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Citizenship certificate

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />नागरिकता प्रमाणपत्र

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Income source verification documents

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Quotation price of the vehicle

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />वाहन को उद्धरण मूल्य

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Net worth detail document (where applicable)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />नेट वर्थ विवरण कागजात (जहाँ लागू हुन्छ)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Firm/Company Registration Certificate (if applicable)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />फर्म/कम्पनी दर्ता प्रमाणपत्र (यदि लागू भएमा)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />PAN/VAT Certificate (If applicable)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />PAN/VAT प्रमाणपत्र (लागू भएमा)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Audited financials of the last 2 fiscal years (For business income)&nbsp;

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />पछिल्लो २ आर्थिक वर्षको लेखा परीक्षित वित्तीय (व्यवसाय आयको लागि)

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Blue book of existing vehicles

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />अवस्थित सवारी साधनहरूको निलो पुस्तक

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />All related documents regarding collateral/security

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />संपार्श्विक/सुरक्षा सम्बन्धी सबै सम्बन्धित कागजातहरू

<ul>
<li>Loan Tenure upto Maximum 15 yearss</li>
<li>Upto 2 crores loan amount</li>
<li>Upto 80% of the VAT Bill</li>
</ul>

<ul>
<li>ऋणको अवधि अधिकतम १५ वर्षसम्म</li>
<li>२ करोडसम्म ऋण रकम</li>
<li>VAT बिल को 80% सम्म</li>
</ul>

*&nbsp;Note: Other Terms and Conditions shall be as per the Bank&rsquo;s Policy. In addition, to the above-mentioned parameters, the Bank can analyze other details too, where deemed necessary.

* नोट: अन्य नियम र सर्तहरू बैंकको नीति अनुसार हुनेछ। साथै, माथि उल्लिखित मापदण्डहरूमा, बैंकले आवश्यक ठानेमा अन्य विवरणहरू पनि विश्लेषण गर्न सक्छ।

Auto Loan

सवारीसाधन कर्जा

Minimum 18 years (at the time of application) and a maximum of 80 years at the time of maturity.
&nbsp;

परिपक्वताको समयमा न्यूनतम १८ वर्ष र अधिकतम ८०वर्ष।

Minimum NPR 0.3 million to maximum NPR 10 million.

न्यूनतम ३ मिलियन देखि अधिकतम १० मिलियन।

Minimum 1 year to Maximum 20 years (excluding moratorium period). The Moratorium period is optional.

न्यूनतम &nbsp;१ वर्ष देखि अधिकतम २० वर्ष।

<ul>
<li>Against Land only/Land and Building.</li>
<li>Against Fixed Deposit placed with NIC ASIA Bank in the name of student or family members or close relatives.</li>
</ul>

<ul>
<li>जग्गा धितामा जग्गा र घर</li>
<li>मुद्धति निक्षेपको लागि एन आई सी एशिया बैंकमा विद्यार्थी वा उसको परिवार वा आफन्तजनको फिक्स्ड डिपोजिट हुनुपर्ने</li>
</ul>

बैंकले प्रकाशित गरे अनुसारका

As per Standard Tariff of Charges (STC)

Up to 100% of total cost considered by the bank but not exceeding the valuation of collateral as defined below:
<ul>
<li>For Land and/or Building: Maximum up to 80% of Fair Market Value depending upon derived Fair Market Value of Collateral.</li>
<li>For Fixed Deposit: Maximum up to 90% of the principal amount of the Fixed Deposit</li>
</ul>

बैंकले अधिकतम १००% सम्म दिनसक्ने तर धितोको मूल्यांकनभन्दा बढी नहुनेगरी&nbsp;
<ul>
<li>जग्गा वा बिल्डिङबजार मूल्यको आधारमा गरिएको मूल्यांकनका आधारमा धितोको अधिकतम ८० प्रतिशतसम्म&nbsp;</li>
<li>फिक्स डिपोजिटको लागिफिक्स डिपोजिटमा रहेको रकमको अधिकतम ९० % सम्म&nbsp;</li>
</ul>

Flexible repayment options, only interest to be paid during the moratorium period then only EMI will start.

कर्जा भुक्तानीको लागि पुर्नतालिकीकरणको सुविधा, कर्जा अवधिमा ब्याज तिरे पुग्ने र त्यसपछि एएमआई शुरु हुने ।&nbsp;

कर्जा भुक्तानीको पुर्नतालिकीकरण विल्कप

भेट्ने समय लिनुहोस्

NIC Asia Education loan is a simplified and flexible student loan for your higher studies. The education loan is a collateral-based term loan specially designed to facilitate your higher education financial requirements in Nepal or abroad. Our study loan has a simple documentation process, quick disbursal, and longer repayment tenure. For more information about the education loan please contact the nearest branch or type &ldquo;EDU&rdquo; and send SMS to 34488.

एन आई सी एशिया शैक्षिक कर्जा विद्यार्थीहरुलाई उच्च शिक्षा हाँसिल गर्न सघाउने सरल कर्जा सुविधा हो । यो कर्जा स्वदेश वा विदेशमा उच्च शिक्षा हाँसिल गर्न चाहने विद्यार्थीहरुका लागि खासगरी धितोमा आधारित आवधिक कर्जा हो । कागजपत्र सहजै मिलाएर तुरुन्तै पाउन सकिने यो कर्जा तिर्न प्रशस्त समय प्रदान गरिएको छ ।
शैक्षिक कर्जा सम्बन्धी थप जानकारीको लागि नजिकैको शाखामा सम्पर्क गर्न वा 'EDU' टाइप गरी ३४४८८ मा म्यासेज पठाउनुहोस् ।

<img src="../framework/uploads/Icons/Work permit.png" alt="" width="33" height="33" />Offer letter/ Fee Structure/ Acceptance letter or substantiating documents from concerned Education Institution

<img src="../framework/uploads/Icons/Work permit.png" alt="" width="33" height="33" />प्रस्ताव पत्र / शुल्क संरचना / स्वीकृति पत्र वा सम्बन्धित शिक्षा संस्थाबाट प्रमाणित कागजातहरू

<ul class="ul-style">
<li>Term Loan Facility</li>
<li>Minimum NPR 0.3 million to maximum NPR 10 million.</li>
<li>Minimum 1 year to Maximum 20 years (excluding moratorium period). The Moratorium period is optional.</li>
</ul>

<ul>
<li>आवधिक कर्जा सुविधा</li>
<li>न्यूनतम रु. ३ लाखदेखि अधिकतम रु. १ करोडसम्म</li>
<li>कम्तिमा एक वर्षदेखि बढीमा २० वर्षसम्म (कर्जा स्थगत गरिएको समयबाहेक) कर्जा स्थगत समयावधि विकल्पका रुपमा रहने</li>
</ul>

*&nbsp;Note: All other terms and conditions shall be as guided by Bank&rsquo;s policy. In addition, to the above-mentioned parameters, Bank can analyze other details too where deemed required.

* नोट: अन्य सबै नियम र सर्तहरू बैंकको नीतिद्वारा निर्देशित हुनेछन्। थप रूपमा, माथि उल्लिखित मापदण्डहरूमा, बैंकले आवश्यक ठानेमा अन्य विवरणहरू पनि विश्लेषण गर्न सक्छ।

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