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काठमाडौंबासीलाई खुसीको खबर ! काठमाडौंमा घर किन्न तपाईं ३० प्रतिशत तिर्दा, बैंकले दिने ७० प्रतिशत ऋण दिन्छ

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तपाईं घर किन्ने योजनामा हुनुहुन्छ? तर पुग्दो पैसा छैन? यदि आफ्नै घरमा बस्ने योजना बनाउँदै हुनुहुन्छ भने अब बैंकले तपाईंलाई सहयोग गर्ने भएको छ। नेपाल राष्ट्र बैंकले एकीकृत निर्देशिका २०७६ जारी गर्दै आवास वा घर कर्जा सम्बन्धी नयाँ व्यवस्था गरेको छ। जसमा ३० प्रतिशत रकम बुझाएर ७० प्रतिशतसम्मको घर कर्जा लिन सकिनेछ।

यसअघि काठमाडौं उपत्यकामा घर किन्दा कम्तिमा ५० प्रतिशत रकम सुरुमै तिर्नुपर्थ्यो। उपत्यका बाहिर भने ४० प्रतिशत तिरे पुग्थ्यो। बाँकी पैसा बैंकले ऋण दिन्थ्यो। र ऋणीले किस्ता बन्दीमा तिर्न सक्थे। उक्त निर्देशिकाअनुसार देशैभरि (उपत्यका भित्र वा बाहिर) सुरुमा ३० प्रतिशत रकम तिरेपछि घर किन्न सकिने छ। बाँकी रहेको ७० प्रतिशत पैसा तिर्न बैंकले ऋण दिन्छ।

तपाईंले १ करोडको घर किन्ने योजना बनाउनु भएको छ भने त्यसको ३० प्रतिशत वा ३० लाख रुपैयाँ तिरेपछि बाँकी रहेको ७० प्रतिशत वा ७० लाख रुपैयाँ सम्मको बैंकले ऋण दिन्छ। त्यसलाई मासिक रुपमा किस्ताबन्दीमा तिर्दै जान सकिन्छ। १ करोडको घरको लागि मात्रै होइन १ करोड ५० लाखसम्मका घर किन्दा यो सुविधा पाउन सकिन्छ। यो सँगै आवास वा घर ऋण सुविधा पाउनको लागि अन्य केही मापदण्ड पनि पुरा गर्नुपर्छ ।

निर्देशिकामा उल्लेख भएअनुसार एकपटक ऋण लिएर घर खरिद गरिसकेको भए यो सुविधा पाइदैन। पहिलो पटक घर किन्न निवेदन दिएका ऋणीले मात्रै यो सुविधा पाउने छन्। यो ऋण सुविधा पाउन घर ३ हजार वर्गफिट सम्मको क्षेत्रफलमा बनेको हुनुपर्ने छ। त्यो भन्दा ठुलो क्षेत्रफल ओगटेको घरले पनि यो सुविधा पाउँदैनन। यस्तो ऋण पाउनको लागि ऋणीले मासिक रुपमा कर्जा भुक्तान गर्ने स्रोत देखाउनपर्ने छ। 

जुन स्रोतलाई बैंकले विश्वास गर्नुपर्छ। यस्तो आम्दानीको स्रोतको रुपमा घर भाडामा लगाएर आएको आम्दानी भने मान्ने नहुने निर्देशिकामा प्रष्ट उल्लेख छ। यस्तै, ऋणीले बैंक तथा वित्तीय संस्थाको समझदारीमा ऋणको अवधिभरी ऋणको ब्याजदर स्थीर राख्न पनि सक्नेछन्।

निर्देशिकामा उल्लेख भएअनुसार एक वर्ष भन्दा बढी भुक्तानी अवधि भएको ऋणको लागि ऋण तिर्ने अवधिभर ब्याजदर परिवर्तन नहुने गरी ब्याजदर निर्धारण गर्न सकिने छ।

बैंकहरुले त्रैमासिक रुपमा ब्याजदरको आधार दर फेर्न पाउँछन्।आधार दर फेरिदा त्यसको असर स्वभाविक रुपले ब्याजदरमा पनि पर्छ। त्यसैले ब्याजदरमा हुने फेरबदलको विषयलाई पनि बैंकले ऋणीलाई प्रष्ट रुपमा जानकारी दिनुपर्छ। यसअघि बैंकको ब्याजदर परिवर्तन हुँदा बैंकमा बुझाउनु पर्ने किस्ताको रकम पनि फेरिन्थ्यो।

अब भने किस्ताको रकम फेरिने नभइ त्यो बढेको ब्याजदरको आधारमा किस्ता संख्या थपिनेछ तर, किस्ताको रकम भने बढ्दैन। पछिल्लो समय घर कर्जासम्बन्धी कडा व्यावस्थाका कारण घरजग्गाको कारोबार कम भएको जानकारहरुले बताउँदै आएका थिए। त्यसैले राष्ट्रले बैंक घर कर्जासम्बन्धी खुकुलो नीति लिएको छ।

 




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