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Education Loan
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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 “EDU” and send SMS to 34488.
Features:
| Particulars | Features |
| Facility Type | Term Loan |
| Eligibility | Minimum 18 years (at the time of application) and a maximum of 70 years at the time of maturity. |
| Loan amount | Minimum NPR 0.3 million to maximum NPR 10 million. |
| Loan Tenure | Minimum 1 year to Maximum 15 years (excluding moratorium period). The Moratorium period is optional. |
| Interest Rate | Competitive Interest Rate. Click Here |
| Fees and Charges | As per Bank Charges. Click Here |
| Collateral Type | 1. Against Land only/Land and Building. 2. Against Fixed Deposit placed with NIC ASIA Bank. |
| Bank Finance | Up to 100% of total cost considered by the bank but not exceeding the valuation of collateral as defined below: |
| For Land and/or Building: Maximum up to 80% of Fair Market Value depending upon derived Fair Market Value of Collateral. |
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| For Fixed Deposit: Maximum up to 90% of the principal amount of the Fixed Deposit |
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| Repayment option | Flexible repayment options, only interest to be paid during the moratorium period then only EMI will start. |
* Note: All other terms and conditions shall be as guided by Bank’s policy. In addition, to the above-mentioned parameters, Bank can analyze other details too where deemed required.
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असीमित सुरक्षा, उच्च प्रतिफल र अतुलनीय सहजताका साथ एन आई एशिया बैंकले ल्याएको छ, न्यू सुपर चमत्कारिक बचत खाता । जसमा छन्, अनुपम सुविधाले भरिपूर्ण निक्षेप योजनाहरू
बैंकका नयाँ योजना तथा सेवाबारे ई–मेलमार्फत जानकारी पाउनुहोस् । साथै, प्रत्येक हप्ता आकर्षक उपहार कुपन जित्ने मौका ।
