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Super Chamatkarik Home Loan in Nepal
New Premium Super Chamatkarik Bachat Khata

Super Chamatkarik Ghar Karja is the new product that aims at providing simplified loan products with higher loan eligibility and flexible accommodation parameters.  With the most competitive interest rate and attractive features, customers will have the flexibility to determine their payment amount at their choice.

Purposes of Loan:

  • Purchase of readymade house
  • Purchase of apartment having land ownership certificate in the name of the borrower
  • Construction of house
  • Purchase of developer constructed house
  • Refinance/Swap of existing home loan.
  • Renovation/Extension of the existing house.
  • Equity financing for land or land & building



Facility Type

Term Loan, Overdraft and Mix of Term Loan and Overdraft


Minimum 21 years (at the time of application) and a maximum of 80 years at the time of maturity.

Loan amount

Minimum NPR 0.4 million to maximum NPR 15 million

Loan Tenure

Minimum 5 years up to 25 years (excluding moratorium period for a new loan)

Moratorium Period

Maximum up to 5 years for construction and renovation/extension work only

Interest Rate

Competitive Interest Rate. Click Here

Admin Fee

As per STC

Prepayment/Partial Settlement/SWAP Charge


Bank Finance

For First Home Buyer: up to 70% of FMV of the property


For other customers, LTV shall be as follows:


  1. Purchase of independent/ ready-built houses through individuals and developers/ apartments

Inside Valley: up to 50% of FMV of the property

Outside Valley: up to 60% of FMV of the property


  1. Construction and renovation / extension

Up to 100% of the cost of construction/extension/renovation subject to combined Loan to Value of land and the completed portion of the building shall not exceed 60% of Fair Market Value of collateral outside the valley and 50% of FMV of collateral inside the valley.


  1. Plot purchase (residential) is subject to the condition that construction starts within 2 years of the purchase of land

Inside Valley: up to 40% of FMV of the property

Outside Valley: up to 50% of FMV of the property


Property age

Ready built house/flat/apartment- should not be older than 30 years at the time of loan application.

The total age of the building shall not be more than 60 years at the time of maturity of the loan.

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


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