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Home Loan

Make your dream of owning a house come true with Jyoti Home Loan. This product brings you multiple home financing options like purchasing land, reimbursing cost of land and buildings/apartments, renovation expenses and purchase of completed buildings/apartments. This product is well suited to meet your budget and various financing needs. 


  • Financing on purchase of land and building/apartment, construction/renovation of building/apartment, reimbursing cost of recently purchased building/apartment, taking over good home loan of other Bank/FIs etc.


1. Eligibility

  • Loan to Nepali citizen with identifiable and stable source of income

2. Target Customer

  • Employed /Self employed professionals
  • Employees of corporate business houses

3. Loan Amount

  • Minimum Loan amount: NPR 5 lakhs
  • Minimum Loan amount can be less than NPR 5 lakhs in case of Deprived Sector Home Loans

4. Debt service coverage ratio

  • Uncommitted monthly income to be atleast 2 times of proposed EMI

5. Disbursement

  • In case of purchase, full amount can be disbursed after completion of documentation; and in case of construction, phase wise disbursement.

6. Interest rate: Competitive interest rates. Click here

7. Collateral

  • Land and building for which housing loan is sanctioned

8. Nature of Facility

  • Non revolving and non-renewable

9. Tenure

  • Maximum tenure of 35 years

10. Repayment Modality

  • Equated Monthly Installments (EMI)

Required Documents

  • Duly filled loan application form of bank
  • Photograph and copy of citizenship of applicant and the guarantors
  • Detail of net worth of guarantors
  • Income source documents
  • Title deed of related property
  • Payment receipt of latest land revenue tax
  • Blueprint/trace map of land
  • Other related documents as necessary

Quick & Easy Access