Turn your dream of owning your own home to reality.

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Turn your dream of owning your own home to reality.

Mortgage Loans

We all dream of owning our own home and at Standard Chartered we are committed to helping you turn that dream to reality. If you are aged at least 21 years and are under an employment having a take away pay sufficient to cover the installments, you can approach to avail our customized mortgage loan.

Features

Eligibility & Documents

Eligibility

  • Only Nepalese are eligible
  • Age
    • Minimum age of 21 years old

Documents

  • You will need
    • Passport size photo of applicants/guarantor
    • Copy of citizenship document of borrowers/guarantor
    • Copy of Land ownership document (lal purja)
    • Copy of Transfer deed (Rajinama)
    • Blue Print of Land
    • Building construction approval from Municipality/VDC along with drawing plans (applicable where building is involved)
    • Char Killa (four boundary).
    • Land revenue Tax Receipt (malpot receipt)
    • Building completion certificate from Municipality/VDC in case of readymade house purchase and loan against property
  • For salaried
    • Income certifying document (Salary letter, Audited balance sheet, rental agreement etc.)
  • For self-employed or companies
    • Firm/company registration
    • PAN
  • For property valuation
    • Copy of Land Ownership Document “Lalpurja”
    • Latest Blue print – for “Bittya Prayojan ko lagi” stamped
    • Latest Trace map issued for financial purpose – for “Bittya Prayojan ko lagi” stamped
    • Latest certified Four wall Boundary certificate – “Char KIilla” from the Ward office
    • Construction approval – for Construction finance
    • Approved Construction Building Drawing – “Ghar Naaksa”
    • Construction Completion Certificate – for Ready built house purchase or Loan Against Property/Renovation/Extension
    • Copy of citizenship of the Borrowers & Seller or Owners
    • Latest Land Revenue paid receipt – “Malpot – Tiro receipt” for current Fiscal Year
    • Copy of Property Transfer Deed – “Rajinama” or “Ansabandha” or “Bakashpatra”
    • The property to be financed will be valued by the empaneled Valuators of the Bank
    • A fixed valuation service fee will be charged
  • For property purchased from non-individuals (developers)
    • PAN
    • Registration Document of the Company
    • Master Plan

Auction Process

In the event of default, the Bank may Auction the collateral securitised to the Bank. The process laid down by the Regulators will be followed.