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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
Interest Rates
About Us
Terms & Conditions
e-Banking Faq
Capital Planning
Hire Purchase Loan
We offer our customers vehicle loan for easy access to their destination. Whether you are a professional, an employee or a self-employed individual you can own your vehicle at your convenience.
1. Individuals should be employed, self-employed or professional Nepalese citizens.
2. Loanee should have adequate and regular source of income, which should match with EMI.
3. Loanee must be a license holder.

Loan Amount
1. Up to 80% of vehicle cost or NRS 25 lakhs which ever is lower
2. Loan amount will be paid directly to the vendor.

Interest Rate & Other charges

Upto 6 Years Interest Rate 12-15 %
Procesing Fee 1.5% of the loan amount (One time charge)

Security arrangements
1. Registration of the vehicle will be in the finance company's name.
2. The Finance Company reserves the right to call for additional registered mortgage over land / building.
3. Personal guarantee or counter guarantee.
4. In case of employees guarantee letter from the employer.

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. Vehicle mortgaged should be insured, and further property being mortgaged should be insured against fire, earthquake, flood, etc.
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