Get Home loan of up to Rs.15,000,000.00 at attractive rates starting at 9.39% p.a. with flexible tenures of up to 25 years. The processing fee varies between 0% and 1% of the loan amount.

NIC Asia Loan Details


NIC Asia


Interest Rate

+ up to 6% p.a. over base rate

Loan Tenure

Up to 25 years

Loan Amount

Up to Rs.15,000,000.00

Processing Fee

0% - 1% of the loan amount

NIC Asia

+ up to 6% p.a. over base rate
Interest Rate
Up to 25 years
Loan Tenure

Up to Rs.15000000

NIC Asia bring varieties of mortgage loan facilities against mortgage of the financed property, if you are looking for the best financing schemes to fulfill your various personal requirements like investment plan, purchase of property, renovation/extension of an existing house, construction of a new house, etc.

Eligibility Criteria

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

Fees & Charges

  • 0.25% p.a. administration fee


  • Term Loan, Overdraft and Mix of Term Loan and Overdraft.
  • Moratorium period of Maximum up to 5 years for construction and renovation/extension work only.
  • Interest Rate 8.25% p.a. locked for first 1 year.

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

2.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.

3.Plot purchase (residential) 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


Saral Banking Sewa is solely a  loan comparison site of Nepal. We just help you to find a perfect loan . For that our customer care team  is always ready to guide you with banking  process. We donot guarantee any kind of loan to a customer. And the loan shown here can be change any time.