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Micro-enterprise (ME) Loan

Micro-Enterprise is collateral based loan and disbursed to those clients who have been utilizing first cycle of general loan and have enough entrepreneurial skills and knowledge to run projects and business expansion like poultry, dairy, small workshops, shops, etc. The loan ceiling is up-to NRs. 7,00,000. The repayment period of this loan up to NRs. 2,00,000/-is maximum of 24 months and up to NRs.7,00,000/- is 60 months on monthly basis The interest rate is 16% on diminishing balance.

Foreign Employment Loan

Foreign employment loan is provided to those clients who have completed third cycle of general loan with good credit track for the expense to go abroad for foreign employment. The loan ceiling is up-to NRs. 2,00,000/-. The duration of loan is for a maximum period of two years. The interest rate is 16% on diminishing balance.

Education Loan

Education loan is provided to those clients who are eligible for third cycle of general loan and have good credit track and she need loan for the vocational/technical and higher education of her daughter or son. The loan ceiling is up-to NRs. 3,00,000/-. The duration of loan will be for a maximum period of four years. The interest rate is 16% on diminishing balance.

Housing Loan

SWBBL provides housing loan to support for building a shelter of members. Housing loan is disbursed to those members who are eligible for fourth cycle of general loan and have maintained a very good track record of loan utilization and savings mobilization. The loan ceiling is NRs.5,00,000/- The duration of loan is for a maximum period of five years. The interest rate is 16% on diminishing balance.

Individual Loan

This loan is provided to the deprived and low income non-member people with proper collateral. The maximum loan size on individual loan is NRs. 3,00,000. The duration of this loan is 12 months to 24 months and the interest rate is 16% on diminishing balance.

 

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