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HOUSING FINANCE |
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| Loan available under this scheme is for
- Building commercial complex, residential houses, factories, warehouse.
- Purchasing land, houses, bunglow
and flat.
- Repairing, furnishing, landscaping etc.
Loan Amount
- Minimum of Rs. 100,000.00 to maximum
of Rs. 2,35,00,000.00.
Tenure
- Any period between 12 to 60 months
Interest Rate
- 16-17% (In diminishing balance)
Security
Processing Fee
- One time service charge (non-refundable) 1% on the loan amount.
Mode of Re-payment
- Monthly and quarterly installments. (Grace period depending upon the situation).
Documentation Required
- Authorized letter of construction from nagar palika.
- Engineer certified design of the proposed construction.
- Certified copy of place of business, employment / resident.
- Recent passport size photograph.
- Citizenship
- Certificate copies of source of income.
- If employed, salary certificates from the employer stating the employment record and tenure of service.
- Companies, Memorandum and article of association, at least two years of audited balance sheet and P/L accounts. Income tax documents.
- Board resolution authorizing an executive to deal on behalf of the company.
- Necessary security documents e.g. lalpurja, tiro raceed, napi naksa, char killa pramanit chhithi etc.
- Necessary documents requested by LAFIN
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| CAPITAL MARKET FINANCE |
TOP |
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Loan
available under this scheme is for
buying securities from secondary market
and investing on IPO (primary market).
Loan against receivable
- Short-term loan will be given a payment guarantee of the buyer of the security. Certified member broker of NEPSE issues the share purchase document.
Loan Amount
- Minimum of Rs. 1,00,000.00 to maximum
of Rs. 2,35,00,000.00. This is relaxable
with acceptable security or according
to company's credit policy.
Tenure
- Any period between 12 months.
Interest Rate
- 16-17%(in diminishing balance)
considerable upon the asset value
and exposure amount.
Security
Processing Fee
- One time service charge (non-refundable)
0.15%-1% on the loan amount.
Mode of Repayment
- Monthly and quarterly installments or payable at maturity of the loan.
Documentation Required
- Document certifying transaction in NEPSE
- Recent passport size photograph.
- Citizenship
- If employed, salary certificates from the employer stating the employment record and tenure of service.
- Certified source of income.
- Third party personal or corporate guarantees.
- Necessary security documents, original share certificates for IPO original receipt of share application.
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| ASSET BASED FINANCE (Hire Purchase) |
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Loan
available under this scheme
is for the purchase of
asset like care, automobiles,
two wheelers, truck, bus, taxies
and consumer durable products.
Loan Amount
- Minimum of Rs. 1,00,000.00
to maximum of Rs. 2,35,00,000.00.
Tenure
- Any period between 12 to 36 months.
Interest Rate
- 16-17% (in diminishing
balance) considerable upon
the asset value and exposure
amount.
Security
Processing Fee
- One time service charge (non-refundable) 1% on the loan amount.
Mode of Re-payment
- Monthly and quarterly installments. (Grace period depending upon the situation).
Documentation Required
- Recent Pro-forma invoice of the vehicle/article to be purchased, in the name of LAFIN
- Certified copy of place of business, employment / resident.
- Recent passport size photograph.
- Citizenship
- If employed, salary certificates from the employer stating the employment record and tenure of service.
- Companies, Memorandum and article of association, at least two years of audited balance sheet and P/L accounts. Income tax documents.
- Board resolution authorizing an executive to deal on behalf of the company.
- Necessary security documents e.g. lalpurja, tiro raceed, napi naksa, char killa pramanit chhithi, tax clearance document of the house.
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Loan available under this scheme is for
- Social obligation e.g. marriage, party, short term borrowing, personal purpose.
- Family holidays, medical treatment.
- Education Loan.
Loan Amount
- Minimum of Rs. 1,00,000.00
to maximum of Rs. 50,00,000.00
This is relaxable with
acceptable security
or according to company's
credit policy.
Tenure
- Any period between 1 to 3 years.
Interest Rate
- 16-17% (in diminishing
balance)
Security
Processing Fee
- One time service charge (non-refundable) 1% on the loan amount.
Mode of Re-payment
- Monthly and quarterly installments. (Grace period depending upon the situation).
Documentation Required
- Certified copy of place of business, employment / resident.
- Recent passport size photograph.
- Citizenship
- If employed, salary certificates from the employer stating the employment record and tenure of service.
- Certified source of income.
- Third party personal or corporate guarantees.
- Necessary security documents e.g. lal purja, tiro raceed, napi naksa, char killa pramanit chhithi, etc.
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| CORPORATE FINANCE AND INVESTMENT BANKING |
TOP |
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Loan
available under this scheme
is for short term
trade financing, mid-term
trading, industrial working
capital, factoring, and
financing heavy equipment/machinery
etc.
Loan Amount
- Minimum of Rs. 100,000.00 to maximum of Rs. 2,35,00,000.00.
Tenure
- Any period between 12 to 60 months.
Interest Rate
- 16-17% (in diminishing
balance)
Security
Processing Fee
- One time service charge (non-refundable) 1% on the loan amount.
Mode of Re-payment
- Monthly and quarterly installments. (Grace period depending upon the situation).
Documentation Required
- Certified copy of no objection certificate of the industry location.
- Certified copy of place of business, registration papers etc.
- Recent passport size photograph
- Citizenship
- Companies, Memorandum and article of association, at least two years audited balance sheets and P/L accounts. Income tax documents. Tax papers, registered with VAT.
- Board resolution authorizing one executive to deal on behalf of the company.
- Third party personal or corporate guarantees.
- Necessary security documents. E.g. lalpurja, tiro raceed, napi naksa, char killa pramanit chhithi etc.
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Lalitpur Finance will
provide consumer loan on EMI basis
(easy paying scheme). If you require
a loan for a short period call us
at 5536598, 5523850, 5525115 “Subash
or Jabin” for Consumer
Loan.
Loan Amount
Tenure
Interest Rate
Mode of Re-payment
- EMI (Equal Monthly Installments)
Documentation Required
A. Personal
1. 2 PP Size photograph
2. Quotation with brochure of the
product from the dealer
3. Income Statement (letter certifying
a permanent staff from the employer
or business registration documents)
4. Photocopy of Citizenship Certificate
of applicant.
5. Proof of permanent resident of
Kathmandu Valley (Water bill or
electricity bill or photocopy of
lal purja)
B. Firm
/ Company
1. Registration Certificate
2. Income Tax Certificate
3. Board Resolution (If Limited Company)
4. Latest Income Statement & Balance
Sheet.
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| SMALL AND MEDIUM ENTERPRISE LOAN |
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Loan available under this scheme is for
- All kinds of small and medium businesses.
Loan Amount
- Minimum of Rs. 50,000.00
to maximum of Rs. 5,00,000.00
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Tenure
- Any period between 12 to 60 months.
Interest Rate
- 16-17% (in diminishing
balance)
Security
Processing Fee
- One time service charge (non-refundable) 1% on the loan amount.
Mode of Re-payment
"NO PROPERTY VALUATION CHARGE"
Documentation Required
- Copy of citizenship.
- Recent passport size photograph.
- Lal purja.
- Napi naksha.
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The Shares of following Companies/Institutions are eligible under this scheme: |
Banks
Standard Chartered Bank
Nabil Bank Ltd.
Nepal Investment Bank Ltd.
Himalayan Bank Ltd.
Bank of Kathmandu
Everest Bank Ltd.
SBI Bank Ltd.
Siddhartha Bank Ltd.
Kumari Bank Ltd.
NIC Bank Ltd.
Machhapuchhre Bank Ltd.
Laxmi Bank Ltd.
Development Banks
Dev.Credit Bank
Sanima Bikash Bank
Insurance Companies
Nepal Insurance Co.Ltd.
Nepal Life Insurance Co.Ltd.
Life Insurance Co.Ltd.
National Life & General Insurance
Rastriya Bima Sansthan.
Hydro Power
Butwal Power
Chilime Hydro Power
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Finance Companies
NMB
Ace Finance Ltd.
Nepal Housing & Merchant Finance Ltd.
National Finance Ltd.
NIDC Capital Market Ltd.
Annapurna Finance Ltd.
Pokhara Finance Ltd.
Nepal Awas Bikas Bitta Co.Ltd.
International Leasing Ltd.
Birganj Finance Ltd.
Mahalaxmi Finance Ltd.
Central Finance Ltd.
Goodwill Finance Ltd.
Premier Finance Ltd.
Alpic Everest Finance Ltd.
Shree Investment Ltd.
Trading Companies
Salt Trading Co.Ltd.
Bishal Bazaar Co.Ltd.
Hotels
Soaltee Hotel
Manufacturing Co.
Bottlers Nepal (Balaju)
Uni Lever Ltd.
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Margin is restricted to 60% of Share of BANKS
& 50% of Shares of other Companies.
Interest Rate - 16-17%
Service Charge - 1%
Share Rokka Charge - Rs.100 per person per Company
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