Housing Loan

a step away from your dream house.

We can finance for construction, renovation and purchase of building/flat for residential purpose.  

Interest Rate

interest rates of your choice.

We offer a floating and a fixed rate so that you can choose.


Fixed Rate


Floating Rate

if you are applying for housing loan, you should know.

Housing Loan
Personal Housing Loan


Maximum LTV

10 Million

Maximum Loan Amount

30 Years

Maximum Tenor



Should be a Bhutanese citizen

Cash flow/Profit & Loss statement & copy of Trade License must be submitted if repayment is to be made from Business Income.

Comprehensive Insurance is a MUST.


for housing loan.

  • Loan Application form duly filled in and signed on all the pages (Full signature).
  • CID copy of the borrower.
  • Two numbers of latest passport size photograph.
  • Ownership Certificate (not more than 3 months old)
  • Site Plan from the concerned Municipal Authority.
  • Approved plan of building.
  • Letter of approval from concerned Municipal Authority or Dzongkhag.
  • Copy of valid Insurance policy of the building, if it is an existing building/apartment.
  • Sale Deed agreement in case of purchase of already constructed building/flat.
  • Latest Pay Slip of the applicant if repayment is tied up with borrower’s salary income.
  • If repayment of loan is tied up with applicant’s salary, a letter of undertaking from the employer for recovery of the monthly installment to be obtained.