Tue, 21st February 2017

Mega Home Loan

Mega Home Loan with its attractive product features, trouble-free documentary procedures and quick loan processing, easy & flexi repayment options and competitive interest rate, ensures that your desire of owning a house is no longer a distant dream. Be it a purchase of land, building, apartment, construction / renovation / extension of house, refurbishing or purchase of home appliances, variant products under Mega Home Loan provides you a complete financial solution.
 
Features:
 
• Competitive interest rate and service charge
• Prompt processing
• Flexible loan tenure resulting in less EMI burden
• In case of Housing Loan (Construction Loan), there is an availability of Moratorium period is availed wherein there is an option of servicing interest only till the construction work gets completed
 
Documentary Requirements:
 
• Passport size photographs of Applicant/Co-Applicant/Guarantor/s
• Photocopy of Citizenship certificate/Passport (only in case if a citizenship certificate is not available) of Applicant, Co-applicant & Guarantor
• Copy of Bank Account Statement for 3-6 months period
• Photocopy of "Land/Apartment Ownership Certificate" (Lalpurja)
• Photocopy of "Land/Transfer Deed" (Rajinama) and/or other legal documents validating Lalpurja
• Photocopy of "Land Revenue Receipt" (Malpot Receipt) for the latest Fiscal Year
• Tax Clearance of building including payment voucher/receipt.
• Renewed copy of blue book for unregistered transport operator with income statement Original " Blue Print of the land" (Napi Naksa)
• Four Boundary disclosure (Char Killa Pramanit)
• Photocopy of Approved House Map from Municipality/VDC (Naksa Pass)
• Citizenship of the seller in case of Land and/or Building purchase
• Business registration certificate, PAN Registration Certificate, License from concerned authority etc (only if applicable)
• Memorandum & Articles of Association, partnership deed etc. (only if applicable), Board resolution to borrow, paper disclosing percentage of  ownership/shareholding
• Audited Balance Sheet and Profit & Loss Account/Income & Expenditure Account covering latest 2 fiscal years (only if applicable)
• Detail breakdown of the cost estimation (in case of construction) i.e. Bill of quantity
• Photocopy of "Certificate of Construction" from Municipality/VDC in case of purchasing House or Mortgage Loan (Nirman Sampanna Pramanpatra)
• Agreement with Developer/Builder
• A letter from employer disclosing gross salary/net take home pay and pension statement for pensioner (wherever applicable)
• Rental contract with identification document of tenant and ownership certificate of the rented land and/or building or apartment
• In case of mortgage of land and building, the building should be mentioned in the Lalpurja (Ghar Kaayam)
• Renewed copy of blue book & road permit for unregistered transport operator with income statement (if applicable)


For further information, please contact:
CONSUMER LENDING HUB
Mega Bank Nepal Limited, New Baneshwor Branch
New Baneshwor, Kathmandu
Phone: 977-1-4107247/48/49
Fax: 977-1-4107250
email: consumerlending@megabank.com.np

 

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