We find you the loan at the lowest interest rate.

Borrowing money can be a hassle if you haven’t ascertained the varying interest rates for loan you wish to get from the bank and financial institutions (BFIs) in Nepal. BFIs have different interest rates and repayment policy, and you must choose wisely before placing your application for a loan.

The interest rates are fixed by the BFIs in regulation with the policy of the central bank, Nepal Rastra Bank. The currently levied interest rates for loans range from 9% - 20%, according to the stats of various BFIs for 2018. It is essential that you compare the providers, repayment options and their rates before applying for the loan.

Personal (Education, Holiday etc)

Consumer Goods (Washing Machine, Cellular Phones etc)

Home Loan

Business Loan

Auto Loan

Step 1

You can submit your basic detail through the form given in the webpage. We require your full name, email address, primary/secondary phone number, loan type, credit report, value of mortgage, tenure and other details to ascertain the right loan and provider for you.

Step 2

We add your information in our secure database and put you in the potential burrowers list to expedite your search.

Step 3

We forward your details to major BFIs in Nepal for data analysis.

Step 4

Once the search is matched, we send you the all the relevant details through your preferred mode of communication.

We can help
We present you with options of loans that meets your requirement
Why choose a loan through Najik.com?
Najik.com makes it easy for you to compare various loans offered by BFIs in Nepal. You can choose from product, provider, and easy repayments to interest rates.

It can be challenging to browse through various channels to find a product of your preference. Najik.com brings all the BFIs Nepal in one place and lets you choose the one which best suits you.
What is secured loan?
Lender usually offers secured loan when the borrower can pledge some form of collateral (physical asset) or mortgage. Secured loan offers lower rates, higher borrowing limits and longer repayments terms. If you’re unable to repay the loan, the lender has the recourse to the collateral and can sell it off to clear the loan.
What is unsecured loan?
Unsecured loan is usually offered based on the credit history and income of the borrower. The interest rates on unsecured loan are likely to be higher than the secured loan, example; credit card debt, bank overdraft, personal loans and other credit facilities.
Frequently Asked Questions (FAQ)
What types of loan can I obtain?
The loans we advertise range from personal loan, corporate loan, home loan to auto loan.
What is Personal Loan?
Personal Loan is a short term loan financed by BFIs with prefixed installments and payment schedule. The facility can be utilized for any personal use, such as; debt consolidation, consumer commodities, education, social events and holidays.
How shall I apply for the loan?
All you need to do is complete the form in our website and submit your details. We’ll forward your detail to BFIs and ascertain the value of loan to be provided.
How is my Home Loan eligibility determined?
Your Home loan eligibility is basically determined considering few factors, namely; Age of the borrower, Purpose of the loan facility, Collateral and Repayment capability.
How long does it take to get my application processed and the loan sanctioned?
Once your detail is received, we promptly forward it to BFIs to analyze your loan request. If all the essential documents are in place, loans will be disbursed upon completion/execution of all security documentation.
What is the minimum/maximum amount that I can borrow?
The maximum amount that you can borrow ranges from Rs. 500,000 to Rs. 30,000,000.
What security/collateral/mortgage do I have to provide?
You can pledge freehold landed property or similar worth properties as assessed by the BFIs.
Does the mortgaged property have to be insured?
Yes, the property you pledge must be insured.
What is Equated Monthly Instalments (EMI)?
EMI or Equated Monthly Instalments refers to the fixed sum of money that you pay to the bank every month on a specified date. The EMI comprises of loan interest and principal amount which is derived upon determining loan amount, loan tenure and interest rate.
What are the repayment period options?
Repayment period options range generally from a minimum of 1 year (excluding moratorium period) and a maximum of 20 years (including moratorium period).
What is Moratorium Period?
A moratorium period is a duration when the loan term until which the borrower may not be required to make any repayment. It is a waiting period before which repayment by way of EMIs begins. Generally, the repayment begins after the loan is disbursed and the payments have to be made each month.
What is Mortgage Loan?
Mortgage Loan is generally provided to meet short term financial obligation. It is provided against the security of landed property or assets, generally known as collateral.
How is my Mortgage Loan eligibility determined?
Mortgage Loan eligibility is basically determined by few factors, namely; Age of the borrower, Purpose of the loan facility, Collateral and Repayment capability.
What type of Auto Loans can I get from the BFIs?
Auto Loan facility is generally provided by the BFIs to finance the purchase of new or used private or commercial/utility vehicles. The BFIs will either provide cash to finance the purchase or purchase the commodity under their name and transfer it when the loan is repaid.
Is down payment required to get an Auto Loan?
Yes, you must deposit certain amount as equity prior to getting the loan executed.
Does the vehicle need to be insured?
Yes, the vehicle requires comprehensive insurance coverage including third party liability endorsed in the name of the Bank.
Do I need to pledge anything or give additional collateral to get an Auto Loan?
No, there's no need of additional collateral except registration of vehicle in the Bank' favor.
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