Civil Bank Home Loan

Civil Bank Home Loan is established as a retail lending product to cater to the prevailing market demands.

Basic Eligibility Criteria

Any Nepalese individual of at least 18 years of age are eligible for Home Loan facility subject to stable, reliable source of income. Furthermore, the disposable income should be sufficient to serve the loan instalment and due interest.

Product Details:

Types of Civil Bank Home Loan Schemes

  • Civil Bank Home Loan Purchase Scheme (CiHL1)
  • Civil Bank Home Loan Construction Scheme
  • Civil 'Home Loan' Renovation Scheme

Loan Limit
Civil Bank 'Home Loan' limit shall be fixed for minimum and maximum range of NPR 100,000 and NPR 50,000,000 respectively for all types of schemes.

Loan Tenure
The tenure of the loan shall be for a minimum period of 5 years and maximum period of 25 years. This will be inclusive of the construction period and the grace period, if any.

Interest Rate
The interest rates on the Home Loan shall be determined by the competent authority as per the tenure of the loan. The base rate will be the rate of interest on the Home Loan for 5 years.

The rate of interest may however be revised from time to time as decided by the management.