Documents
Along with the Home Loan application, you will need to provide the following documents required for processing Home Loan.
A. Identification related documents
- 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 6 months).
- Bank Statement, as applicable.
- Latest two salary slips (if any).
- Tax paid document.
- 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, as applicable.
- Tax paid document.
- For business person
- Latest audited financial statement as per prevailing Company/Tax Act of Nepal.
- Bank Statement, 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.
- For other sources
- Latest lease payment receipt or agreements, title deed of property. Future rental income will not be considered.
- Other rental income details. If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset.
- Pension slip, interest received statement etc.
- Bank Statement, as applicable.
- Other verifiable income.
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 from competent authority, construction completion certificate ( as applicable ) (in case of building available)
