- Home Loan's
- Personal loan's
- Car loan's
- Two Wheeler Loan's
- Commercial Vehicle Loan's
- Education Loan's
- loan Against Securities
- Loan Againat Gold ornarments
KCIBl Home Loan's
Finance to existing home loan customers seeking additional finance for purpose of furnishing/ refurnishing, purchase of household appliance/ items etc.
Rate of Interest
5 years- 14.00%
10 years - - 15.00%
15 years - 16.00%
20 years - 17.00%
25 years - 17.50%
Eligibility Criteria:
=All salaried or self-employed Nepalese Citizen having a regular source of income.
=The land and/or building to be purchased or constructed should have a minimum of 8 ft motorable road.
=In case of self employed individuals, the business must be in operation for a minimum of two years.
=The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.
=Third party collateral, other than the property of the borrower or borrowers' undivided family, will not be acceptable
Personal Banking Loan's
With personal finance scheme, you will be able to borrow money to purchase household items. The following are the features of personal finance scheme.
Eligibility: Service holder having permanent service terms or contract basis at least covering the loan tenure and the employer should be in a position to provide an undertaking to transfer the fund to the Bank for EMI.
Loan Amount: 2 lakhs to 10 lakhs
Loan Tenure: upto 3 years
Purpose: For the purchase of household items
Processing fee: 1% of the loan amount payable up front
Prepayment: Allowed after 6 months
KCIBL AUTO LOAN'S
Type
Interest Rate
New Private- 14.00%
Used Private - 15.00%
New Commercial - 17.00%
Used Commercial - 17.50%
Eligibility Criteria:
=Salaried or Self-Employed Nepalese Citizen having a regular source of income.
=In case of individual having business income or firm/company, the business should be in operation for a minimum of two years.
=In case of individuals, the applicant must be at least 21years and should not exceed 65 years at the time of maturity.
=Unregistered transport operators should have experience of operating a commercial vehicle for a minimum of two years.
=Any person other than the owner of the firm/ company shall not be authorized to take loan on behalf of the firm/ company.
KCIBL Education Loan
To finance the education cost of the students desiring to pursue higher education in Nepal or Abroad.
Interest Rate
Upto 8 years - 15.00%
Upto 15 years - 16.00%
Loan Portion: - Upto 80% of the cost of education
Loan Size:- Upto NPR 3.5 million
Eligibility Criteria:
=The student should have a confirmation for admission.
=The parent/ guardian/ spouse of the student should have a regular source of income for repayment of installments.
=The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.
KCIBL Loan's against securities
Loans against Securities offers you instant liquidity.
You don’t have to sell your securities. All you have to do is pledge your securities in favour of KCIBL Bank. We will then grant you an overdraft facility up to a value determined on the basis of the securities pledged by you. A current account will be opened and you can withdraw money as and when you require. Interest will be charged only on the amount withdrawn and for the time span utilised.
Minimum Rs. 2000/- upto 1% of the loan amount on account opening, and Rs. 1500/- p.a. on renewal at the end of each year.
Loan Against Gold Ornaments
KCIBL Bank presents "Loan Against Gold Ornaments", designed to provide liquidity against gold ornaments without having to sell them.
This product is ideal to meet agriculture and allied agriculture requirements like cultivation, dairy, poultry, fishery, etc. Gold ornaments lying idle can be put to productive use by availing Loan Against Gold Ornaments.
The KCIBL Bank Edge
Hassle-free quick processing of loans.
Simplified paperwork.
Easy payment options.
Attractive interest rate & LTV.
Loan amount ranging from Rs. 5,000 to Rs.15,00,000.
