Loan


Unit Home Loan

Unit Home Loan

     The main objective of this loan is to build the unit or community house in their society. They can use this house to conduct the monthly meeting and other social function. This is unit loan and all unit members are equally liable to repay the equal amount. The loan limit is up Nrs.50,000 and the tenure is 1-5 years with 10% interest rate on diminishing balance.


Special Card Loan

Special Card Loan

        Special Card loan is provided to those clients who have completed third loan cycle with good credit track. The borrower who meets the certain criteria related with loan, deposit, unit evaluation and other credit discipline will eligible for this card. According the above criteria bank will issue the card with loan limit Nrs.10, 000, 15,000 and 20,000. Card receiver uses this card to get the loan as per her requirement. She does not wait the monthly meeting for loan demand. Howe ever she must inform her peers about her loan at upcoming monthly meeting. The duration of this loan will be one year and interest rate is 20% on declining basis.


Normal Loan

Normal Loan

          This loan is disbursed for all types of productive products. All CLBBL members are eligible for this loan. Loan ceiling is Nrs.1,000 -30,000 .However Nrs.40,000 will provided for cattle farming . Repayment period of this loan is 12 to 18 month and interest rate is 20% on declining basis.


Micro Enterprise Loan

Micro Enterprise Loan

 


     Microenterprise loan is provided to those clients who have completed first loan cycle with strong credit discipline. Client have enough entrepreneurial skills, willing to contribute at least 20 percent equity and submit collateral. Maximum loan size is Nrs.400,000.00 with 20% interest rate on diminishing balance. Tenure will be 1 to 5years.


Discipline Loan

Discipline Loan

        Discipline loan is provided to those clients who have completed first loan cycle with good credit track. The main purpose of this loan is to upgrade the client’s existing business. The loan ceiling is up-to NRs. 60,000.  The duration of this loan will be 12 to 30 months depending upon the income cycle of the client. Interest rate is 20% on declining basis.


Consumer Loan

Consumer Loan

       Consumer loan is provided to those clients, who have successfully completed the first loan cycle. This loan is buying for television, Refrizrator and computer .firis eligible for sixth cycle of general loan and have good credit track and she need loan for the technical education of her daughter or son.  The loan ceiling is up-to NRs. 40,000.  The duration of loan will be for a maximum period of one year and  the interest will be 10% flat.


Business Loan

Business Loan

         Business loan is provided on individual and group basis. The purpose of this loan is to support that type of people who want to take loan either individual or group basis. The maximum loan size on individual basis is Nrs.20,000 and group basis is Nrs.60,000.00. The duration of this loan is 12 to 30 months and the interest rate is 20% on diminishing balance.


Alternative Energy Loan

Alternative Energy Loan

    The main purpose of this loan is to improve the health and reduce regular expenses of the client. CLBBL will provide loan to install bio-gas plant and solar energy. It is available to those clients who have successfully completed the first loan cycle. The tenure of this loan is 12 to 30 months with 20% interest on diminishing balance.

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