18th June 2025, Kathmandu
Everyone dreams of a home to call their own. Somewhere peaceful. Somewhere permanent. But in Nepal, owning a home often feels out of reach for many.
Global IME Nischinta Awash Yojana
Endless paperwork, high-interest rates, long waiting periods—these hurdles discourage even the most determined. That’s where Global IME Bank steps in, offering a smarter and simpler solution: the Nischinta Awash Yojana.
This unique housing loan scheme is changing the way people in Nepal approach homeownership. It’s fast. It’s flexible. And most importantly, it’s worry-free.
Let’s explore how this scheme works, why it’s different, and how it could be your gateway to a better life.
A Home Loan That Doesn’t Feel Like A Burden
What if getting a home loan was actually simple? That’s the promise of the Nischinta Awash Yojana. The name itself means “tension-free,” and the process truly lives up to it.
While other banks may keep you waiting for days or weeks, Global IME Bank provides loan decisions within just 12 hours. That kind of speed is rare in Nepal’s financial sector. It not only saves your time but also shows the bank’s commitment to your dreams.
The application process is smooth, guided by trained professionals in all 77 districts. Whether you live in Kathmandu or a rural village in Rolpa, expert support is never far away. This wide reach makes home loans accessible to more people than ever before.
Moreover, the bank offers free mobile and internet banking for the first year, helping you manage your finances easily. A free Visa Credit Card in the first year adds further value.
Built To Fit Real Lives, Not Just Paperwork
Nischinta Awash Yojana isn’t a one-size-fits-all loan. It’s built with flexibility at its core. Every applicant’s needs are different. Some want to buy a house. Others may wish to build one. Some live abroad and send money home. Others are salaried workers or small business owners.
The scheme respects all these differences. You can adjust your loan amount based on your income. You can also pick repayment terms that match your lifestyle. If you need time before starting payments, the moratorium option gives you that breathing room.
Even your family members can join as co-applicants—spouses, parents, siblings—anyone living in a single-family unit. They simply need a reliable source of income and be willing to give a personal guarantee.
This opens the door for joint planning, joint ownership, and joint responsibility. And most importantly, it makes homeownership possible even if your individual income isn’t very high.
Your Property, Your Collateral
Of course, every housing loan needs security. In this case, it’s the home or land you’re buying or building. The property must be acceptable as collateral under bank guidelines. Once approved, it becomes the key to unlocking your loan.
The documentation process may sound detailed, but it’s straightforward if you’re prepared. You’ll need:
Your citizenship certificate
Photographs of the applicant and guarantors
Relationship or marriage certificates (if applying with family)
A location map of the property
And depending on your income, proof of earnings
While these steps may take some time, the bank’s expert staff help guide you through them. They don’t just approve loans—they build relationships.
Designed For Every Income Type
Whether you work in Nepal or abroad, run a business or drive a vehicle, Global IME Bank has tailored its income verification process to your profile.
Salaried employees need a salary certificate, bank statements, and a copy of their ID.
Pensioners must provide their pension certificate and recent statements.
Foreign workers need a valid passport, visa, salary slips, and remittance records.
Business owners are asked for financial audits and tax clearances.
Vehicle owners submit blue books, insurance, and income declarations.
Landlords should provide rental agreements, tax receipts, and utility bills.
This approach ensures that your income is evaluated fairly. No one is excluded just because their earnings don’t follow traditional formats.
Save While You Borrow
What makes Global IME Bank stand out even more is its competitive interest rates—not just on loans but on savings accounts too. While you pay off your home loan, your savings still grow.
As of Ashad 01, 2082 (June 15, 2025), here are the rates:
3.00% on accounts like Global Nari Bachat Khata and Global Share Lagani Khata
3.50% on Soche Jastai Bank Khata and Jestha Nagarik Bachat
4.50%, the highest, on Global Remit Savings
So even if you’re investing in a home, you’re still earning interest elsewhere. It’s a smart way to manage both present expenses and future savings.
Clear, Transparent, And Trustworthy
Financial decisions require trust. Global IME Bank earns that trust through transparency. All fees and charges are clearly listed in their Fee and Charges Schedule. And if you have questions, their Global Connect customer support is always ready to help.
This clarity removes hidden surprises and allows you to plan better. You know what to expect, and that peace of mind is priceless.
Final Thoughts: Your Home Is Closer Than You Think
The Nischinta Awash Yojana is more than just a loan product. It’s a promise of simplicity, a commitment to speed, and a celebration of dreams. It’s about turning the idea of home into something real, tangible, and accessible—no matter your background or income level.
In a country where home loans often come with stress and confusion, Global IME Bank is offering a fresh alternative. One with heart, vision, and confidence.
If you’ve been dreaming of a home, now is the time to act. Visit your nearest Global IME Bank branch or reach out through Global Connect. The door to your new home may be just 12 hours away.
For more:- Global IME Nischinta Awash Yojana