NMB Fixed Rate Home Loan

Along with the Home Loan application, you will need to provide the following documents required for processing Home Loan.

A. Identification related documents

• Photograph and copy of citizenship of the applicant/sponsor/guarantor
• Copy of Individual PAN certificate (where applicable)
• Map of the applicants’/sponsor’s/guarantor’s residence
• Net worth statement of applicant/guarantor/sponsor
• Multiple Banking document
• Loan account in NMB Bank Ltd.

B. Income related documents

• For salaried individuals
  • Salary certificate from the employed organization/company (Not older than 6 months).
  • Bank Statement, as applicable.
  • Latest two salary slips (if any).
• For self-employed professionals
  • Certificate of registered professional.
  • Detail of income source/ profession.
  • Proof of last 3 years of continuous practice (if any).
  • Bank Statement, as applicable.
• For business person
  • Latest audited financial statement as per prevailing Company/Tax Act of Nepal.
  • Bank Statement, as applicable.
  • Certificate of Incorporation (in case of organization)
  • Valid Firm/Company registration certificate.
  • MOA/AOA, Share Lagat, partnership deed (as applicable)
  • Recent tax paid receipt.
• For other sources
  • Latest lease payment receipt or agreements, title deed of property. Future rental income will not be considered.
  • Other rental income details. If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset.
  • Pension slip, interest received statement etc.
  • Bank Statement, as applicable.
  • Other verifiable income.

C. Collateral related documents

• Land ownership certificate
• Blueprint/Cadastral Map / trace map
• Four wall boundary
• Land Classification Document
• Naksaa Pass, Building construction permission certificate from competent authority, construction completion certificate ( as applicable ) (in case of building available)
• Collateral transfer deed (for recently purchased property)
• Latest revenue receipt of land or land or/and building offered as collateral

Note: Other documents as per Bank laid down procedures, as applicable