Siddhartha Bank Home Loan: Complete Guide to Hamro Ghar Karja and Normal Home Loan

2nd October 2026, Kathmandu

Siddhartha Bank provides affordable and flexible home financing solutions designed to help you purchase land, construct a residential house, buy an apartment, or furnish your living space.

Siddhartha Bank Home Loan

Guided by a team of financial experts from property valuation to loan structuring, Siddhartha Bank ensures a seamless borrowing journey tailored precisely to your income profile.

Below is an exhaustive breakdown of the features, essential eligibility requirements, collateral parameters, and documentation checklist for Siddhartha Bank Home Loans.

Advertisement

Key Features of Siddhartha Bank Home Loans

Siddhartha Bank offers two distinct home financing options to cater to varying borrower preferences: the fixed-rate Hamro Ghar Karja scheme and the flexible Normal Home Loan product.

Features of Hamro Ghar Karja

• Fixed Interest Rate Advantage: Enjoy a stable fixed interest rate of 5.99 percent per annum for the first seven years, offering complete predictability for long-term financial planning.
• Tailored Financial Planning: Protect your monthly budget against market fluctuations during the initial years of your loan term.

Features of Normal Home Loan

• Versatile Financing Purposes: Funds can be utilized to purchase residential land or buildings, construct a new house on existing land, renovate or extend an existing property, or buy an apartment in a housing colony.
• Extended Repayment Tenure: Offers an easy repayment scheme lasting up to 25 years, inclusive of an appropriate moratorium period.
• Flexible Repayment Schedules: Repayments can be conveniently structured via Equal Monthly Installments (EMI) or Equal Quarterly Installments (EQI).
• Competitive Financial Terms: Delivers highly competitive floating interest rates along with affordable service processing fees.
• Regulated Loan Drawdowns: Funds are disbursed in structured drawdowns in strict accordance with prevailing central bank regulations and construction progress directives.

Comprehensive Required Documents Checklist

To facilitate rapid processing and timely approval, applicants must prepare and submit complete verification documents categorized under personal identification, property collateral, and income sources.

Personal Identification Documents

• Two passport-size photographs of the primary applicant and co-applicants.
• Copy of valid Nepalese Citizenship Certificate or Passport.
• Relationship Certificate issued by competent local authorities, if applicable.
• Marriage Certificate, if applicable.
• Bank account statements (both deposit and existing loan accounts) covering at least the last 6 months.
• Firm or Company Registration Certificate, if applicable.
• PAN or VAT Registration Certificate, if applicable.
• Articles of Association (AOA) and Memorandum of Association (MOA) for corporate entities.
• Partnership Deed for registered partnership firms.
• Individual PAN Certificate, mandatory for loan amounts exceeding NPR 5 million.
• Detailed Location Maps for both residential and office locations.
• Collateral and Property Documentation
• Lalpurja or Land Ownership Certificate.
• Land transfer deeds such as Rajinama, Bakaspatra, or Ansha-banda documents.
• Latest tax payment receipt from the Malpot Office (Land Revenue Office).
• Building tax clearance certificate from the relevant local government office.
• Blueprint and trace map of the land plot.
• Char Killa Pramanit (Four Boundary Certification) issued by the local ward office.
• Approved house construction map from the municipality or local authority.
• Nirman Sampanna Patra (Construction Completion Certificate) or Abhilekhikaran certificate.
• Ghar Kayam update in Lalpurja confirming the official registration of the building on the land.
• Income Source Verification Documents
• Official Salary Certificate for salaried individuals.
• Rental Agreement accompanied by tenant identification copies, if rental income is declared.
• Audited financial statements covering the last 2 fiscal years for business income validation.
• Pension Certificate (Patta) for retired applicants.
• Copy of renewed and valid blue book along with route permit for transport business income.
• Salary certificate, work permit, valid passport with visa, pay slips, and foreign bank account statements for foreign employment income.
• Latest tax paid receipt or formal tax clearance certificate for all declared income streams.

Conclusion

Siddhartha Bank Home Loan provides a dependable path toward owning or expanding your residential property. Whether you select the fixed-rate stability of Hamro Ghar Karja or the flexible 25-year terms of the Normal Home Loan, Siddhartha Bank combines personalized expert guidance with competitive financial solutions. Gather your documentation and visit your nearest Siddhartha Bank branch to turn your home ownership plans into reality.

For More: Siddhartha Bank Home Loan