September.23, 2022
Selected Candidates for the post of Management Trainee for Group Discussion
Learn More
September.23, 2022
Selected Candidates for the post of Junior Assistant (Contract) for Interview
Learn More
September.06, 2022
List of Non-operative account since 10 years as on 32/03/2079 B.S(16/07/2022 A.D)
Learn More
February.23, 2022
JBBL Negative tax list (F.Y. 2077-078)
Learn More
February.01, 2022
Notice to update Mobile Number
Learn More
January.26, 2022
JBBL Dividend Rejection List
Learn More
January.25, 2022
Mr. Hari Chandra Khadka appointed as Chairman of Jyoti Bikash Bank Limited
Learn More
November.29, 2021
List of nonā€operative account for 10 years
Learn More
August.01, 2021
Subsidy Loan Customer List for Fiscal year 2077-78
Learn More

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. 

Purpose

  • 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.

Features

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

Make your banking experience easier, with our app.