Most home loan delays in Nepal are not about the rate or the credit decision. They are about a missing paper: a lalpurja copy without the back page, a bank statement that stops a month short, a char killa that was certified before the ward boundaries changed. This checklist is everything a bank can reasonably ask for. Print it, tick it, and hand over a complete file on day one.
Photocopies must be clear, and banks will ask to see the originals at least once for verification. Bring them to the branch even if the application starts online.
A. Identity, for every applicant and co-applicant
- Loan application form, signed on every page.
- Citizenship certificate (nagarikta), front and back.
- 2 to 4 passport-size photos.
- PAN card or PAN registration certificate.
- Marriage certificate if the spouse is a co-applicant, or a relationship certificate (nata pramanit) from the ward for any other co-applicant.
- Signed consent for a CIB credit report enquiry.
- Utility bill or ward letter confirming current address if it differs from the citizenship.
- For NRN applicants: NRN card and passport.
B. Income documents
Salaried (private or government)
- Salary certificate on employer letterhead, dated within the last month, showing designation, joining date, basic pay and allowances.
- Last 3 to 6 salary slips.
- Bank statement for the salary account, last 12 months, showing the salary credits.
- Appointment letter or contract, especially if you joined recently.
- Latest tax certificate (TDS certificate or tax clearance).
- For government staff: citizenship investment certificate (Nagarik Lagani Kosh) or provident fund statement, if the bank asks.
Self-employed and business owners
- Firm or company registration certificate, renewed for the current fiscal year.
- PAN or VAT registration.
- Audited financial statements for the last 2 or 3 fiscal years.
- Tax clearance certificate (kar chukta) for the latest year.
- Bank statements for the business account, last 12 months.
- For a company: share certificate, board resolution and memorandum and articles of association.
- Short business profile or a project report, if the bank requests it.
- Proof of ownership of business premises or the lease agreement.
Earning abroad or remittance-based
- Passport with visa or residence permit.
- Labour permit (shram swikriti) or employment contract.
- Salary slips or an employer letter, with a certified translation if not in English.
- Remittance receipts and the Nepali bank statement showing regular inward remittance for 12 months.
- A Nepal-resident co-applicant or guarantor with their own identity and income papers.
- Some banks require a power of attorney (adhikrit warisnama) for a family member in Nepal to sign on your behalf.
Rental or other income
- Registered rental agreement and a receipt trail, plus 12 months of bank statements showing the rent.
- Pension book and pension bank statement for retired applicants.
- Fixed deposit receipts or share holdings if you are counting investment income.
C. Property documents (purchase, construction or renovation)
- Lalpurja (land ownership certificate), both sides, in the seller's or your name.
- Rokka-free confirmation from the Malpot (Land Revenue) office, recent.
- Char killa pramanit from the ward office.
- Napi naksa or trace map from the Survey Office, showing the plot and road access.
- Land tax receipts (malpot tiro) and house tax receipts, current year.
- Naksa pass (approved building design and permit) from the municipality.
- For a finished house: completion certificate (nirman sampanna).
- For a purchase: draft sale deed (rajinama) and the seller's citizenship.
- For construction: detailed cost estimate from an engineer and a construction schedule.
- Valuation report by the bank's panel valuer (the bank arranges, you pay).
- Photographs of the property and the access road.
If the property belongs to a parent who is offering it as collateral, the parent signs as guarantor and provides their own citizenship and consent.
D. Loan-specific papers
- Insurance: property insurance policy assigned to the bank and, for many banks, a term life or loan-protection policy on the borrower.
- Loan agreement, mortgage deed (dristibandhak) and promissory note, signed at the branch after approval.
- Registration of the mortgage at the Malpot office, with the registration fee paid.
- Post-dated cheques or a standing instruction for EMI collection.
Common gaps that stall a file
- Bank statements downloaded from an app without the bank's stamp. Ask the branch for a stamped copy.
- A salary certificate that lists gross pay but no deductions; the bank needs net.
- Char killa certified by a ward that was merged or renumbered. Get it re-certified.
- Lalpurja showing joint ownership with a sibling who has not signed consent.
- Audit reports signed by an auditor whose licence has lapsed.
Check what each bank is likely to lend you before you assemble all this: the eligibility check takes two minutes and needs no documents.