Thu, 23rd March 2017

Mega Mortgage Loan

No more worries if your money is blocked in landed asset and you need fund for meeting your urgent short term financial obligations. With Mega Mortgage Loan you can meet any of your financial obligations by simply mortgaging your self-owned property. It is a flexible & specially designed product having unique features like longer tenure, attractive interest rate, simple & speedy processing which shall accommodate immediate financial needs of our valued customers. 
 
Features:
 
•    Competitive interest rate and service charge
•    Prompt processing
•    Flexible loan tenure resulting in less EMI burden
•    In case of Housing Loan (construction), there is an availability of moratorium period wherein there is an option of servicing interest only till the construction work gets completed 
 
Documentary Requirements:
 
•    Passport size photographs of Applicant/Co-Applicant/Guarantor/s
•    Photocopy of Citizenship Certificate/Passport (only in case if a citizenship certificate is not available) of Applicant, Co-applicant & Guarantor
•    Copy of Bank Account Statement for 3-6 months period
•    Photocopy of "Land/Apartment Ownership Certificate" (Lalpurja)
•    Photocopy of "Land/Transfer Deed" (Rajinama) and/or other legal documents validating
•    Lalpurja
•    Photocopy of "Land Revenue Receipt" (Malpot Receipt) for the latest Fiscal Year
•    Tax Clearance of building with payment voucher/receipt.
•    Renewed copy of blue book for unregistered transport operator with income statement
•    Original " Blue Print of the Land" (Napi Naksa)
•    Four Boundary Disclosure (Char Killa Pramanit)
•    Photocopy of Approved House Map from Municipality/VDC (Naksa Pass)
•    Photocopy of "Certificate of Construction" from Municipality/VDCf (Nirman Sampanna Pramanpatra)-
•    Citizenship of the seller in case of Land and/or Building purchase
•    Business registration certificate, PAN Registration Certificate, License from concerned office (if applicable), paper disclosing percentage of ownership/shareholding,
•    Memorandum and Articles of Association, partnership deed etc. (only if applicable), Board resolution to borrow
•    Audited Balance Sheet and Profit & Loss Account/Income & Expenditure Account covering latest 2 fiscal years (only if applicable)
•    Detail breakdown of the cost estimation (in case of construction) i.e. Bill of quantity
•    Photocopy of "Certificate of Construction" from Municipality/VDC in case of purchasing House or Mortgage Loan (Nirman Sampanna Pramanpatra)
•    Agreement with Developer/Builder
•    A letter from employer disclosing gross salary/net take home pay and pension statement for pensioner (wherever applicable)
•    Rental contract with identification document of tenant and ownership certificate of the rented land and/or building or apartment
•    Renewed copy of blue print & road permit for unregistered transport operator with income statement (if applicable)
•    In case of mortgage of land and building, the building should be mentioned in the Lalpurja (Ghar Kaayam)


For further information, please contact:
CONSUMER LENDING HUB
Mega Bank Nepal Limited, New Baneshwor Branch
New Baneshwor, Kathmandu
Phone: 977-1-4107247/48/49
Fax: 977-1-4107250
email: consumerlending@megabank.com.np

 

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