Citizens Mortgage Loan



To meet personal financial obligations already incurred/ to be incurred in future.
Interest Rate: 12.00% - 18.00% p.a., payable in Equated Monthly Installment
Tenure : upto 10 years
Loan Type : Terminating Line of Credit
Loan Portion: upto 80% of the valuation of the property
Loan Size: upto NPR 8 million

Eligibility Criteria:
All salaried or self-employed Nepalese Citizen having a regular source of income.
The land and/or building to be mortgaged should have a minimum of 8 ft motorable road.
In case of self-employed, the busines must be running for a minimum of two years.
The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.
Third party collateral, other than the property of the borrower or borrowers' undivided family, will not be acceptable.


Citizens Mortgage Loan(Personal Overdraft)


Interest Rate:12.00% - 18.00% p.a., interest payable quarterly
Loan Type: Revolving Line of Credit
Loan Portion: upto 70% of the valuation of the property
Loan Size: upto NPR 8 million


Eligibility Criteria:
All salaried or self-employed Nepalese Citizen having a regular source of income.
The land and/or building to be mortgaged should have a minimum of 8 ft motorable road.
In case of self-employed, the busines must be running for a minimum of two years.
The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.
Third party collateral, other than the property of the borrower or borrowers' undivided family, will not be acceptable.