Documents
Along with the Home Loan application you will need to provide the following documents required for processing Home Loan.
A. Identification Documentation
- Photograph and copy of citizenship of the applicant/sponsor/guarantor
- Copy of Individual PAN certificate (where applicable)
- Map of the applicants’/sponsor’s/guarantor’s residence
- Net worth statement of applicant/guarantor/sponsor
- Multiple Banking document
- Account in NMB Bank Ltd.
B. Income related documents
- For salaried individuals
- Salary certificate from the employed organization/company (Not older than 3 months)
- Bank Statement for minimum 6 months, as applicable
- Latest two salary slips (if any)
- Tax paid documents
- For self-employed professionals
- Certificate of registered professional
- Detail of income source/profession
- Proof of last 3 years of continuous practice (if any)
- Bank Statement for minimum 6 months, as applicable
- Tax paid documents
- For business person
- Latest audited financial statement as per prevailing Company/Tax Act of Nepal
- Bank Statement for minimum 6 months, as applicable
- Certificate of Incorporation (in case of organization)
- Valid Firm/Company registration certificate
- MOA/AOA, Share Lagat, partnership deed (as applicable)
- Recent tax paid receipt documents
- For other sources
- Latest lease payment receipt or agreements, title deed of property (future rental income will not be considered)
- Other rental income details (residual income will be considered if under loan)
- Pension slip, interest received statement, etc.
- Bank Statement for minimum 6 months, as applicable
- Other verifiable income
- Tax paid documents
C. Collateral related documents
- Land ownership certificate
- Blueprint/Cadastral Map / trace map
- Four boundary certificate (Char Killa)
- Land Classification Document
- Naksaa Pass, building construction permission certificate, and construction completion certificate (as applicable)
- Collateral transfer deed (rajinama) for recently purchased property
