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HAMA Merchant and Finance Limited
Tripureshwor, Kathmandu, Nepal
P.O.Box : 1425
Phone : 4249503,4216482, 016213290   Fax : 4250245
Email : info@hamafinance.com.np
   
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Notice
Educational Loan
Hama Finance offers educational loans for students aspiring to pursue their studies within the country as well as abroad . Our purpose is to finance under mentioned cost for receiving higher education from recognized College/University/Institute.
  1. Admission fees/monthly tuition fee/examination fee
  2. Boarding/lodging expense
  3. Travelling expenses
  4. Misc expenses
Eligibility
1. Loanee should be a Nepalese citizen eligible for receiving higher education for which loan is being sanctioned.
2. Parents/Guardian of the loanee should have adequate and regular source of income , which should match with EMI.


Loan Amount  
Study in Nepal Upto 7
lacs Study in Saarc Country Upto 10 lacs
Study in other Country Upto 15 lacs

Interest Rate & Other charges

Upto 6 Years Interest Rate 12-15 %
Procesing Fee 1% of the loan amount (One time charge)

Security arrangements
1. Security of assets should be equivalent to the amount of loan.
2. Personal guarantee of either both parents or guardians.
3. The Finance Company reserves the right to call for additional registered mortgage over land / building.

Repayment and Repayment Period

Repayment will be based on EMI (Equal Monthly Installment) depending upon your income and repayment capacity.

General Conditions
1. Loan application form along with other required information can be obtained from our office.
2. In case of default in repayment of loan amount, the borrower shall be liable to pay penal interest @ 2 % over and above the applicable rate on the principal amount and interest accrued.
3. In case of continuous or total default of three monthly installments, the finance shall have the right to recall the full outstanding.
4. Correspondence between college and the loanee should be provided if necessary along with the visa document.
 
 
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