Loan



Introduction

Home is one of the basic necessities for every human kind. This product is designed for financing for purchase of land and building or purchase of residential plot (land) for construction of building or construction of residential home for individuals having identifiable and stable income sources.



  • Employed professionals (Doctors/Engineers/Bankers/CAs/Teachers etc.)
  • Employees of Corporate Business Houses
  • Self Employed Professionals
  • Other individuals having identifiable and stable sources of income


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Introduction

Business Loan is offered to customers for meeting day to day working capital requirements and can be provided in the form of overdraft / working capital loans. The maximum tenure of the loan shall be for 1 year and will be subject to renewal as per client’s requirement and satisfactory transaction record in the account in terms of repayment, turnover, etc.

The purpose of this facility is to finance the working capital requirement of the trading, manufacturing and service units/industries. The working capital loan will help to build up inventories and receivable at a level required to run the business smoothly.

Fixed Term Project Loans facility will be provided in order to facilitate customers to establish manufacturing industries or production units or purchase of fixed assets.



  • 1. This loan may be granted to already established firms/Partnership firms/company/institutions or to new established firms/company/institutions or production/manufacturing units.


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Introduction

Micro Financing is one of the basic necessities for every human kind in the context of Nepalese under developing economy. This product is designed for financing to ethnic and low income class and marginalized people. The main objective of this product is to extend micro credit activities and help towards raising the living standard of the poor.



  • This loan may be granted to already established firms/Partnership firms/company/institutions or to new established firms/company/institutions or production/manufacturing units.


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Introduction

This product paper has been designed to finance students, with the support of the Parents or any other Sponsor/s, who aspire to pursue for higher/technical/ professional education. The loan will essentially help them to finance fees/expenses (to be paid in various forms to the educational institution) and travel/logistics support.



Studies in Nepal
  • Professional courses: MBBS, BDS, Engineering, Veterinary, Management, Aviation, Computer and Technology related, CA, and CFA
  • Post Graduation Courses: Masters and PhD

Studies Abroad
  • Any Graduation/Post Graduation level studies related to professional and technical courses.
  • Training courses such as pilot

Eligible Express
  • Fees payable to the institute/hostel
  • Examination / Library / Laboratory Fee
  • Purchase of books / equipment / instruments
  • Caution deposit/ building fund / refundable deposit
  • Travel expenses money for studies abroad
  • Purchase of computers-essential for completion of the course
  • Any other expenses required to complete the course – like study tours, project work, thesis etc.
Introduction

Having a four heeler is one of the basic necessities for professionals, businessman, and manager/executive class employees of corporate classes living in the urban cities of the country. This product is designed for financing for purchase of private vehicles (car, jeep, pick up etc.) for personal use and commercial vehicles (tipper, bus, taxi, Backhoe Loader, excavator, Tractors, truck and other heavy and light equipment’s etc.) for business purpose having identifiable and stable income sources.



  • Employed and self-employed professionals (Doctors/ Engineers/ Bankers/ CAs/Teachers etc.)
  • Employees of Corporate Business Houses
  • Company (pvt/public), proprietorship firm, partnership firm
  • Other individuals having identifiable and stable sources of income


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Introduction

Nepal is agricultural country. About 65% of the population of the country depends on agriculture for their livelihood and agriculture is the main source for international trade. This product is designed for financing for focus to cater the rural and semi urban farmers, who have creditworthy plan, passion and honest attitude and lacks sufficient capital to materialize their dream. In fact, a combined target for lending is focus on providing loan to agriculture sector with the provision of subsidy as already prescribed by NRB.



  • This loan may be granted to already established firms/Partnership firms/company/institutions or to new established firms/company/institutions or production/manufacturing units involved in agricultural products.
  • Wholesaler, importer, dealer, stockiest of fertilizer, seeds etc.
  • Entrepreneurs engaged in providing cold storage facilities.


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Introduction

Professional are the most valuable client and plays the vital role to build and change the nation. They directly or indirectly affect the country economy. JBBL already lunched the JBBL PROFESSIONAL LOAN.



  • Doctor
  • Engineer
  • Lawyer
  • Chartered Accountant
  • Banker
  • PHD Holders
  • NGO/INGO
  • Government Permanent Job Holder


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Introduction

Small and medium enterprises in Nepal form an integral part of the economy. These sectors have a vast but untapped credit requirement in the banking sector. This product paper is designed in such a way that such borrowers can avail such requirements in SME category in the form of overdrafts and term loan according to their requirements. The target customers in this products would be small family businesses including retailers, wholesalers, distributors, cottage and small scale manufacturing/processing units, exporters, importers, contractors, suppliers, workshops, fabricators, educational institutions, medical/health facilities, travel/tour operators and service sectors.



  • This loan may be granted to already established firms/Partnership firms/company/institutions or to new established firms/company/institutions or production/manufacturing units.


Apply