Super Chamatkarik सवारी कर्जा

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

Super Chamatkarik Sawari Karja is the new product that aims at supporting the customer to “move in style” by owing a vehicle of own choice for following purposes:

  • Purchase of new Red-Plated Private Vehicle
  • Purchase of new Red-Plated Business Use Vehicles
  • Purchase of Second Hand/Used Vehicle (Red plated Private Vehicles only)

Features:

 For New Red-Plated Private Vehicle

Particulars

Features

Facility Type

Term Loan

Eligibility

Minimum 20 years (at the time of application) and a maximum of 70 years at the time of maturity.

Loan amount

Minimum NPR 0.5 million to maximum NPR 20 million

Loan Tenure

Minimum 1 year to a maximum of 15 years (*)

Interest Rate

8.25% p.a. (interest rate locked for first 1 year)

 

 

Note:

After the 1st year interest rate shall be then base rate and premium equaling 8.25%, in case the base rate after one year is more than 8.25% then the interest rate shall be equal to the base rate.

Admin Fee

0.25% p.a.

Prepayment/Partial Settlement/SWAP Charge

NIL

Bank Finance

Petrol/ Diesel Vehicle - Up to 50% of the VAT bill

Electric vehicle -  Up to 80% of VAT bill

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

 

For Red-Plated Business Use Vehicles

Particulars

Features

Facility Type

Term Loan

Loan amount

Minimum NPR 0.4 million to maximum NPR 20 million

Loan Tenure

Minimum 1 year to a maximum of 15 years (*)

Interest Rate

8.25% p.a. (interest rate locked for first 1 year)

Note:

After the 1st year interest rate shall be then base rate and premium equaling 8.25%, in case the base rate after one year is more than 8.25% then the interest rate shall be equal to the base rate.

Admin Fee

0.25% p.a.

Prepayment/Partial Settlement/SWAP Charge

NIL

Bank Finance

Up to 80% of the VAT bill

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

 

 

 For Second Hand/Used Vehicle (Red plated Private Vehicles only)

 

Particulars

Features

Facility Type

Term Loan

Eligibility

Minimum 20 years (at the time of application) and a maximum of 70 years at the time of maturity.

Loan amount

Minimum NPR 0.4 million to maximum NPR 10 million

Loan Tenure

Minimum 1 year to a maximum of 10 years (*)

Age of Vehicle

Should not exceed 15 Years (*) at the time of loan maturity from the date of initial registration.

Interest Rate

8.25% p.a. (interest rate locked for first 1 year)

Note:

After the 1st year interest rate shall be then base rate and premium equaling 8.25%, in case the base rate after one year is more than 8.25% then the interest rate shall be equal to the base rate.

Admin Fee

0.25% p.a.

Prepayment/Partial Settlement/SWAP Charge

NIL

Bank Finance

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

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

Helpdesk - NIC Asia Bank

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