In the financial year 2080/081, a loan of 38 billion 894 million rupiah was disbursed only for building the first house and buying land.
According to Nepal Rastra Bank, in the financial year 2081/082, 30.5 billion rupiah loans were disbursed only for the construction and purchase of the first house and the purchase of land. The annual data of the National Bank of the last fiscal year showed that personal residential house loans increased by 7.9 percent.
In the financial year 2080/081, only 38.89 billion 40 million rupees were disbursed for construction and purchase of land. In the last financial year, 30.54 billion 96 million rupees were disbursed, according to the National Bank. So far, 4 trillion 17 billion 56 crore 57 lakh rupees have been disbursed for personal residential house loans.
Personal residential house loans increased by about 8 percent, while real estate loans increased by only 3 percent, according to Rashtra Bank's data. According to Rastra Bank, last year only Rs. In the last fiscal year, there was an increase of 2.9 percent in real estate loans.
2 trillion 75 billion in real estate loans so far 95 crores and 95 lakh rupees have been inflowed. It has been shown that there has been an increase of 27.5 percent in commercial complexes under real estate loans. In the last financial year, 2 billion 59 crore 24 lakh rupees were disbursed. Along with this, so far 12 billion 25 million rupees of loans have flowed to commercial complexes under real estate loans.
In the previous financial year, loans to commercial complexes under real estate loans were negative . The financial year was negative by 2 billion 144 million rupees. As the interest rate was more than the loan disbursement, the loan to the commercial complex was seen as negative.
Nepal Rastra Bank had increased the limit of housing loan given for the construction of the first house in the monetary policy of the fiscal year 2082/83. The monetary policy has provided that a person can get a maximum loan of 30 million rupees to build a first house. In the monetary policy of the financial year 2080/81, Nepal Rastra Bank raised the limit of housing loans for the construction of the first house to 2 crore rupees.
before that was 15 million rupees . According to the monetary policy of the current financial year, the loan-to-value ratio for the construction and purchase of the first house is maintained at a maximum of 80 percent and in the case of others, at a maximum of 70 percent.
