Professional Loan

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This loan scheme is specially designed for professionals working in diverse fields with a fixed monthly income and having good social standing to fulfill their financial requirement. The loan is designed such that it helps the professional overcome a liquidity crunch in times of need and avoid dipping into their savings. One of the most important features of this loan scheme is swift execution of loan process. Eligible professionals can obtain fund required within few days from the date of application for the loan. Further, the loan scheme is uncollateralized. The client does not have to go through cumbersome legal process for obtaining the required fund in dire need. To honor the contribution of all working professional, JBBL professional loan scheme has covered wide spectrum of professionals as eligible.

Eligible Professionals
Professional Accountants	Professional qualification of Chartered Accountancy or such other professional accounting degree from institutes (National or Foreign), being a Member of International Federation of Accountants (IFAC) and engaged in the occupation/business in Nepal.
Medical Professionals	Professional qualification of minimum of bachelor in Medicine (MBBS/BDS/Nursing/veterinary/BPH/B. Pharma etc.) from recognized university, having license from Nepal Medical Council and engaged in the occupation/business in Nepal.
Engineering Professionals	Professional qualification of minimum of diploma in Engineering (Civil,selectrical, software, mechanical engineering etc.) from recognized university and engaged in the occupation/business in Nepal.
Lawyers	Professional qualification of minimum of bachelor in Laws (LLB, BL etc. or equivalent degree) from recognized university, having license from the Nepal Bar Council and engaged in the occupation/business in Nepal.
Teaching Professionals/ Administrative staff of education institutions (like accountants, principal etc.)	Person engages in the teaching profession in the recognized university as a Professor/Lecturer. Permanent teacher and administrative staff of school/college/educational institutions registered with appropriate government body. For this, such institutions should have been listed with this bank for the purpose of professional loans. The education institutions shall be listed with the bank from time to time on the recommendation of branch/ marketing/ central credit approval department.
Employees of BFI’s/ Merchant Banking	Permanent employee having the experience of at least 3 years in such sector.
Employees of Insurance companies	Permanent employee having the experience of at least 3 years in such sector.
Employees of NGO/INGO	Person engages in the NGO/INGO having the experience of at least 3 years in such sector. For this, such institutions should have been listed with this bank for the purpose of professional loans. The institutions shall be listed with the bank from time to time on the recommendation of branch/ marketing/ central credit approval department
Employees of Private Limited Company/ Organization/ Institutions	Permanent employee of the private limited organizations/ companies/ institutions having upto 20 employees and also operating payroll account in JBBL. Permanent employee of the private limited organizations/ companies/ institutions having more than 20 employees. For this, such institutions should have been listed with this bank for the purpose of professional loans.