Civil Savings brings you attractive loan schemes to make your dreams come true. We offer various loans. Choose the best that suits your needs.

Home Loan

Civil Savings Home loan, is an attractive financing scheme to either purchase or construct your dream home and live with your family forever and after.

Finance up to 70% of distress value of property
1. Purchase Readymade Houses/ Buildings
2. Construction of Houses / Buildings.
3. Readymade apartment, bungalow, duplex.
4. Renovation and / or extension of building.

Other Features :
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 1% of loan amount

Tenure
1. Maximum of up to 10 years
2. Repayment : Equal Monthly Installments (EMI)

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 1,00,00,000

Insurance Charge
1. Insurance charge as per loan amt.

Security
1. Other forms of security may be accepted upon terms and conditions.

Real Estate Loan

Civil Savings can help you

Who can apply for the loan?
1. Employed individuals
2. Professionals
3. Owner of small business
4. Self-employed businessmen

Purpose:
1. Purchase of apartment. Purchase the land and /or land and building, hold it and sell it when the price goes up.
2. Purchase the land, develop it and sell it making small plots.
3. Purchase the land, develop it and construct buildings or colony and sell it.
4. Other similar purposes as above

Other Features:
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.

Service Charges & Loan Renewal Charges
1. Service charge 1% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.

Tenure
1. Maximum of upto 1 years
2. Repayment : Diminishing Base loan

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 18% p.a
2. Loan Amt. up to NPR 1,00,00,000

Security
1. Other forms of security may be accepted upon terms and conditions.

Business Loan

Small and Medium scale business enterprises area have always played vital role in economic reform of developing economies. Understanding the significance the role they can play in Nepal’s economy, Civil has introduced structured financial solutions in the form of “Civil Business Loan”. “Civil Business Loan” caters the need of credit to the wide range of enterprises ranging from whole sale retailers, small and medium scale manufacturing, processing, importer and exporters, suppliers, workshops, educational institutes, hospitals and tours and travels etc.

Other Features :
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.

Service Charges & Loan Renewal Charges
1. Service charge 1% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.

Tenure
1. Maximum of up to 1 years
2. Repayment : Diminishing Base loan

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 17% p.a
2. Loan Amt. up to NPR 50,00,000

Insurance Charge
1. Insurance charge as per loan amt.

Security
1. Other forms of security may be accepted upon terms and conditions.

Personal Loan

Civil Personal Loan provides opportunities for any Nepalese citizen to acquire loan as a personal loan to achieve his/ her endeavors.


Who can apply for the loan?
The applicant must be a Nepali citizen who is employed with a stable job or self-employed with a regular income source.

Other Features :
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.

Service Charges & Loan Renewal Charges
1. Service charge 1% of loan amount
2. Loan Renewal Charge every year 1% on remaining loan amount.

Tenure
1. Maximum of up to 1 years
2. Repayment : Diminishing Base loan

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 17% p.a
2. Loan Amt. upto NPR 10,00,000

Insurance Charge
1. Insurance charge as per loan amt.

Security
1. Other forms of security may be accepted upon terms and conditions.

Education Loan

Follow the path you chose. With the Civil Education Loan, the dream you have for your children can be accomplished. Civil Savings provides convenient loan for Education purpose.

Who can apply for the loan?
The applicant must be a Nepali citizen who is employed with a stable job or self-employed with a regular income source. Otherwise, the guardian who is sponsoring the applicant must be employed with a stable job or self-employed with a regular income source.

Purpose
For the payment of admission fees, living expenses, travelling expenses, monthly fees, examination fees, books, stationery and instruments required for course undertaken by borrowing scholar.
Document Required (Identification Documents)
1. Citizenship certificate or Passport of applicants/joint applicants & guarantors
2. Personal net worth and family detail of applicants and guarantors
3. Acceptance letter from University / College / School
4. No objection letter from Ministry of Education

Other Features :
1. Collateral for all above products required.
2. At least 8 feet wide, motor able access to the land.
3. Land to be free of guthi or mohi.
4. Land to be far from high tension line.
5. Third Party Collateral – not acceptable.

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 1% of loan amount

Tenure
1. Maximum of up to 5 years
2. Repayment : Equal Monthly Installments (EMI)

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 10,00,000

Insurance Charge
1. Insurance charge as per loan amt.

Security
1. Other forms of security may be accepted upon terms and conditions.

Hire or Purchase Loan

Your dream Car is not a dream anymore. Drive home your dream car with Civil Hire or Purchase Loan. With dedicated personalized service acquiring the loan is easy. Civil Savings believes in quick loan approval and competitive pricing so as to make it possible for our valued customers to select and own wide range of vehicles.

Who can apply for the loan?
1. Permanent salaried individuals.
2. Professional consultants.
3. Retired individuals from civil services and British/Indian/Singapore police services.
4. Self-Employed businessmen. Individuals whose income source is fixed (such as house rent)

Purpose
1. Purchase cars for personal use.
2. Purchase of route buses (chassis and or company built/ local built body).
3. Purchase of pick-up vans.
4. Purchase of mini trucks, trucks, tippers and tankers.
5. Purchase of school/college buses.
6. Purchase of cab, taxies etc.
7. Purchase of Microbuses
8. Purchase of motorcycles, Scooter, etc.

Document Required (Identification Documents)
1. Citizenship certificate or Passport of applicants/joint applicants & guarantors
2. Personal net worth and family detail of applicants and guarantors
3. Quotation of the Vehicle
4. Copy of Bill Book (In care of second hand)
5. Copy of Insurance (In care of second hand)
6. Copy of route permit (In case of commercial vehicle)

Salient Features :
1. Financing of both new and used vehicles.
2. Financing of up to 60% of the vehicle value.

Prepayment & Service Charges
1. 2% of amount prepaid before 1 year.
2. 1% of amount prepaid after 1 year.
3. Service charge 1% of loan amount

Tenure
1. Maximum of up to 7 years
2. Repayment : Equal Monthly Installments (EMI)

Loan Documentation Fee
Charges as per company’s rules

Interest Rate
1. 15% to 16% p.a
2. Loan Amt. up to NPR 10,00,000

Insurance Charge
1. Insurance charge as per loan amt.

Security
1. Other forms of security may be accepted upon terms and conditions.

Loan against Periodic Deposit

Loan against periodic deposit is a vested power you own. With any periodic deposit you can acquire certain percent as a loan.

Required Documents for Loan

  • Collateral Based Loan
  • Lalpurja
  • Rajinama/ Angsabanda / bakash patra (Tamasukh)
  • Tiro Rashid
  • Citizenship of owner
  • Approved drawing of building
  • Building construction permission letter
  • Tax Clearance
  • Blueprint, Trace Map, Plot Register Uttar
  • Charkilla Original Copy
  • Income Statement