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The determination of establishing the Financial independence has led to the foundation and framework of Nagrik Sahakari Bank.
Nagrik Home Loan:

(A)

Housing loan

building construction/ flat purchase/ building purchase / building extension, alteration and finishing

Int Rate
15-11-2016

GL Code

Int Rate
01-02-2017

(i)

Upto 5 years

11.00 %  

189

10.50%

(ii)

Above 5 years

11.50 %

190

10.00 %

 (B)

land sale/housing maintainance/ shopping complex/ shop sale

 

 

 

(i)

Upto 5 years

11.50 %

179

11.50 %

(ii)

Above 5 years

12.00 %

180

12.00 %

(C)

building construction/ flat purchase/ building purchase

 

 

 

 

63 months and above

 

 

 

(i)

On new loans disbursed after 01.02.2017

 

219

9.00 %


Purpose

  • .Building and flat purchase, household work, house finishing work.
  • Building repair, shop purchases and construction, shopping complexes.

Loan amount

  • Maximum up to the term of 3 years
  • Amount of the registry for purchase up to 70 percent

  • Estimate for the construction up to 100 per cent.

  • Loan up to Rs 5 lakhs for finishing and repair and expansion.

Securities -

  • 1. The property for which the loan in taken for will be treated as mortgage.
  • Personal security of the competent and valid member to the bank..

Insurance –

  • The mortgaged property must be insured

Loan repayment -

  • 1. From 5 years to 15 years.
  • 2. Repayment of the loan in monthly instalments from the next month of the loan delivery.

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