View all »

Loans  

Hire Purchase

Purchase of office equipment, vehicles, machinery etc is possible through our Hire Purchase Schemes.

You may also consider below various other consumer loan schemes for your deserving executives.

Vehicle Loan :

Do you remember … the four-wheeler that you always dreamt of owning? Don’t you always imagine the thrill of owning that dream machine?

If you are a salaried individual, professional or an entrepreneur, this is your opportunity to get behind that wheel.

We finance up to 80% of the cost of the vehicle that is new or will be less than 7 years old at the time of final maturity of the loan.

All we need is proof of your income and/or reference/guarantee from your employer/individual acceptable to us.

Depending on your income and the car you choose to buy, a loan of NPR 300,000.00 to NPR 5,000,000.00 can be availed of at a very competitive rate of interest. Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes easy on your monthly budget.

And the tenor is kept flexible to suit your need: you can take a minimum of 12 months or a maximum of 60 months to repay. You also have an option of prepaying your loan and all you will be charged is a low 1% on the outstanding amount.

So, if you are 25 years (or more) of age or have been in business for at least 2 years, walk in to our nearest office and get an auto loan approved for a nominal processing fee. We guarantee a decision on your application within 48 hours of receipt of your completed application.

Our credit & marketing officers will be pleased to provide further information

Terms & Conditions

  • Registration of the vehicle will be in the Bank's name
  • Bank reserves the right to call for additional Registered Mortgage over land and / or building.
  • First Repayment Date is from the subsequent month of initial drawdown
  • Repayment is to be made in Equal Monthly Installments (Interest + Borrowings) which will not exceed 50% of the borrower's monthly earnings.
Home Loan :

Are you looking to own a residential property? Do you need money for extension of your house? Or do you feel like renovating or restoring your old house or are you short of money in constructing your new house? Or did you just see this gorgeous apartment building you don’t seem to get your mind off? How about being an owner of it…?

Well, your search for a complete house ends here.

If you are a salaried individual, professional or an entrepreneur, this is your opportunity to own that dream house.

We finance up to 60% of the cost of the purchase/construction/renovation of land/house within municipal boundaries.

All we need is proof of your income and/or reference/guarantee from your employer/individual acceptable to us.

Depending on your income and your need, a loan of NPR 500,000.00 to NPR 4,000,000.00 can be availed of at a very competitive rate of interest. Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes easy on your monthly budget.

Drawdown are allowed on a phase-wise manner to minimize your interest burden. In some cases, you may even qualify for a moratorium on principle repayment for up to 6 months.

And the tenor is kept flexible to suit your need: you can take a minimum of 12 months or a maximum of 120 months to repay. You also have an option of prepaying your loan and all you will be charged is a low 1% on the outstanding amount.

So, if you are 25 years (or more) of age or have been in business for at least 2 years, walk in to our nearest office and get a home loan approved for a nominal processing fee. We guarantee a decision on your application within 48 hours of receipt of your completed application.

Our credit & marketing officers will be pleased to provide further information.

Terms & Conditions

  • Property being mortgaged should be located within municipal boundaries of Kathmandu Valley and in other residential / commercial sector of developing areas within 40 KMs from the heart of Kathmandu (Hanuman Dhoka) like Godavari, Nagarkot, Bhaktapur, Dhulikhel, Kakani etc and must have motorable access.
  • As security, the Bank shall have the First Legal Mortgage on freehold property (land + building) valued by Bank's approved valuer with extended value (Distress value as valued by the Bank's valuer) not less than the 100% of financed amount.
  • Bank reserves the right to call for additional Registered Mortgage over land and / or building.
  • First drawdown is allowed only after injection of investment portion of the Borrower is confirmed and subsequent drawdown is allowed in phase-wise manner upon receipt of application from the Borrower with details of estimated costs and confirmation of the Bank's valuer of utilization of previously drawn amount.
  • First Repayment Date is from the subsequent month of initial drawdown in case of ready built houses / refinance of owned houses while a moratorium period of six months will be provided in case of construction / renovation or expansion.
  • Repayment is to be made in Equal Monthly Installments (Interest + Borrowings) which will not exceed 50% of the borrower's net monthly earnings. Monthly net savings in case of Self-employed individuals must be 5 times of EMI.
  • Property being mortgaged should be insured against fire, earthquake, flood etc with a banker's clause.

Consumer Product Financing :

Aren’t you tired of seeing your old furniture in your drawing room, haven’t you seen them there since you were little, weren’t you awed to see that magnificently done house? Ever thought of replacing them with the latest furniture? What about watching the latest movie in your own home theatre? Need a laptop for your child who’s undergoing a management degree?

We at KBL help you finance a range of consumer durables and household equipments like televisions, furniture, personal computers, music systems, air conditioner, microwave ovens, refrigerator, washing machines, etc.

If you are a salaried individual, professional or an entrepreneur, this is your opportunity to own all those stuff that will add to your neighbors’ envy.

We finance up to 70% of the cost of a range of consumer products.

All we need is proof of your income and/or reference/guarantee from your employer/individual acceptable to us.

Depending on your income and your need, a loan of NPR 100,000.00 to NPR 500,000.00 can be availed of at a very competitive rate of interest. Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes easy on your monthly budget.

And the tenor is kept flexible to suit your need: you can take between 12 to 24 months to repay. You also have an option of prepaying your loan and all you will be charged is a low 1% on the outstanding amount.

So, if you are 25 years (or more) of age or have been in business for at least 2 years, walk in to our nearest office and get a consumer product finance approved for a nominal processing fee. We guarantee a decision on your application within 48 hours of receipt of your completed application.

Our credit & marketing officers will be pleased to provide further information.

Terms & Conditions

  • Monthly net savings in case of self-employed individuals must be 5 times of EMI.
  • Repayment period not to exceed Borrower's balance / tenor of service upto retirement in case of Employees / Salaried Employees
  • As security, Hypothecation of assets financed in bank's name is needed and personal guarantee of employer in case of salaried individuals.
  • Assets being hypothecated should be insured against theft, fire, earthquake, flood etc with a banker's clause.
  • Repayment is to be made in Equal Monthly Installments (interest + principal) not to exceed 75% of borrower's net income in case Salaried / Self Employed Individuals.
  • A processing fee of 1% will be charged on the Financed Amount.

Education Loan :

Haven’t you always wanted the best education for your child? If your ward wishes to pursue a professional course (like Medicine, Engineering, Management etc), in Nepal or in a foreign land but you are short of funds to meet the upfront monetary requirement to get him/her into the college of your choice……. worry no more. Here at KBL, we have a solution. You can avail of an education loan to finance higher education of your son or daughter.

If you are a salaried individual, professional or an entrepreneur, this is your opportunity to brighten your child’s future.

We finance up to 60% of the cost of tuition and admission.

All we need is proof of your income and/or reference/guarantee from your employer/individual acceptable to us.

Depending on your income and your need, a loan of NPR 150,000.00 to NPR 800,000.00 can be availed of at a very competitive rate of interest. Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes easy on your monthly budget.

And the tenor is kept flexible to suit your need: you can take a minimum of 12 months or a maximum of 60 months to repay. You also have an option of prepaying your loan and all you will be charged is a low 1% on the outstanding amount.

So, if you are 25 years (or more) of age or have been in business for at least 2 years and are looking for finance to enable your ward pursue a professional course, walk in to our nearest office and get an education loan approved for a nominal processing fee. We guarantee a decision on your application within 48 hours of receipt of your completed application.

Our credit & marketing officers will be pleased to provide further information.

Terms & Conditions

  • Registered Mortgage over land and building within municipal boundaries.
  • Property being mortgaged should be located within municipal boundaries and must have a motorable access.
  • Monthly net savings in case of self-employed individuals must be 5 times of EMI.
  • Repayment period not to exceed Borrower's balance / tenor of service upto retirement in case of Employees / Salaried Employees
  • Repayment is to be made in Equal Monthly Installments (interest + principal) not to exceed 75% of borrower's net income in case Salaried / Self Employed Individuals.
  • A processing fee of 1% will be charged on the Financed Amount.
Travel Loan :

What about surprising your family this year by taking them to Bali…? Or what about rewarding yourself with a six-night-seven-day holiday to Australia? After all, you have worked very hard to get here….. you deserve a break!

If you are a salaried individual, professional or an entrepreneur, this is your opportunity to pursue that leisure trip this year. We finance up to 70% of the cost of ticket and tour expenses.

All we need is proof of your income and/or reference/guarantee from your employer/individual acceptable to us.

Depending on your income and your need, a loan of NPR 50,000.00 to NPR 300,000.00 can be availed of at a very competitive rate of interest. Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes easy on your monthly budget.

You can repay the loan over a period of 12 months. You also have an option of prepaying your loan and all you will be charged is a low 1% on the outstanding amount.

So, if you are 25 years (or more) of age or have been in business for at least 2 years and are looking for options for traveling, walk in to our nearest office and get a travel loan approved for a nominal processing fee. We guarantee a decision on your application within 48 hours of receipt of your completed application.

Our credit & marketing officers will be pleased to provide further information.

Terms & Conditions

  • Corporate Guarantee of business houses in case of business executives.
  • Monthly net savings in case of self-employed individuals must be 5 times of EMI.
  • Repayment period not to exceed Borrower's balance / tenor of service up to retirement in case of Employees / Salaried Employees
  • Repayment is to be made in Equal Monthly Installments (interest + principal) not to exceed 75% of borrower's net income in case Salaried / Self Employed Individuals.
  • A processing fee of 1% will be charged on the Financed Amount