Nabil Dhukka Ghar Karja Scheme: Fixed 7.99% Home Loan for 7 Years in Nepal, Secure Your Dream Home
25th May 2025, Kathmandu
Buying a home is a big step. Many dream of owning a house but hesitate because of uncertain loan rates. Nabil Bank offers a great solution. Their Nabil Dhukka Ghar Karja comes with a fixed interest rate of 7.99% per year for seven years. This fixed rate helps borrowers avoid surprises in monthly payments. As a result, planning finances becomes easier and less stressful.
Nabil Dhukka Ghar Karja Scheme
Stable Interest Rate for Predictable Payments
Interest rates on loans often fluctuate. This can make budgeting difficult. However, Nabil Dhukka Ghar Karja locks your rate at 7.99% per annum for seven years. This means your Equated Monthly Installments (EMIs) stay the same during this period. Stability like this is rare in the Nepali home loan market. It benefits borrowers by reducing financial uncertainty.
Loans for Various Housing Needs
Nabil Bank understands that housing needs differ. That’s why this loan covers multiple purposes. You can use it to buy land and property, build a new house, renovate or extend your existing home, or even switch your loan from another bank. The loan amount can go up to NPR 50 million. Depending on the purpose and property value, financing terms may vary.
Flexible Loan Tenure Up to 30 Years
Long repayment periods make loans affordable. Nabil Dhukka Ghar Karja offers loan tenures up to 30 years. With longer terms, monthly payments become smaller and easier to manage. This is great for families and individuals with steady but limited incomes.
Moreover, if you are constructing a house, the loan includes a moratorium period. This means you don’t have to start repaying immediately. You can wait up to 12 months after construction before beginning EMIs. This helps ease financial pressure during building.
Interest Charged on Reducing Balance
Unlike some loans that charge interest on the full amount, Nabil Bank charges interest on the reducing balance. This means your interest expense decreases as you repay the principal. Over time, you pay less interest, which saves money during the loan tenure.
Clear Eligibility Criteria
Nabil Bank keeps the eligibility simple and fair. The applicant must be at least 18 years old at loan application. The maximum age allowed at loan maturity is 70 years. You must have a stable income source. This can be from salaried employment or business.
The property offered as collateral must meet specific conditions. It needs motorable road access of at least 8 feet in width. The plot should be free from legal disputes like Guthi or Mohi. High-tension lines near the property are not acceptable. Importantly, Nabil Bank does not accept third-party collateral.
Easy Documentation Process
Applying for Nabil Dhukka Ghar Karja requires standard documents. These include citizenship or passport copies and photographs. Relationship certificates and marriage certificates must be submitted if applicable. For income verification, salaried employees need salary slips, bank statements, and tax receipts. Self-employed individuals should provide audited financial statements for the last two fiscal years.
Property-related documents are also essential. These include land ownership certificates, house blueprints, tax clearances, and approved building plans. Nabil Bank helps borrowers throughout the documentation process to ensure smooth approval.
Transparent fees
Nabil Bank maintains transparency in all charges. The loan administration fee is 0.75% of the loan amount. A commitment fee of 0.15% applies to the unutilized loan limit during home construction. Prepayment fees vary based on when the loan is prepaid. For example, if you repay within two years, the prepayment fee is 0.75% of the prepaid amount. After five years, this fee drops to 0.15%.
Additionally, the bank charges actual costs for Credit Information Center (CIC) reports and follows Nepal Rastra Bank’s directives on fees.
Personalized Support and Fast Processing
Nabil Bank provides personalized counseling throughout the loan process. The staff guides borrowers at every stage, from application to disbursement. This helps borrowers understand their loan details clearly and avoid confusion.
Loan processing is quick and transparent. The bank’s wide branch network makes it easy to access services and submit documents. This customer-friendly approach sets Nabil Bank apart.
Why Nabil Dhukka Ghar Karja Stands Out
In Nepal’s competitive home loan market, few products offer fixed interest rates for a long period. Nabil Dhukka Ghar Karja provides seven years of fixed EMI payments. This protects borrowers from rising interest rates. It also allows better financial planning.
The loan’s flexible use, long repayment period, and easy eligibility criteria make it accessible to a broad range of customers. Whether you are a first-time homebuyer, a businessperson, or a salaried worker, this loan suits your needs.
Conclusion: Take a Step Toward Your Dream Home
Nabil Dhukka Ghar Karja is a smart choice if you want to own a home without the stress of variable interest rates. It offers stability, flexibility, and transparency in every aspect.
By choosing Nabil Bank’s home loan, you get competitive interest rates, long repayment options, and personalized service. This makes the path to homeownership smooth and affordable.
If you are planning to buy or build your dream home, consider Nabil Dhukka Ghar Karja. Start your journey today and enjoy peace of mind with a fixed-rate home loan from one of Nepal’s leading banks.
For more: Nabil Dhukka Ghar Karja Scheme
