Look no further if you want to finance the construction of your residential house or commercial building for our Housing loan scheme is meant for just that. We have been financing the construction of houses and buildings, both personal as well as commercial since 1992.

Lending Policy

  • Loan Processing Fee: Nu 500/- for every application.
  • Valuation Fee: As Per Engineer’s inspection report (Maximum Nu. 5000)
  • Interest Rate and Term: Click here
  • Repayment Mode: Monthly
  • Penalty Rate: 5% is levied on the defaulted amount.


  • Should be a Bhutanese citizen
  • House/Building must be commercially viable
  • Proof of ownership of the Land/building ( 3 months validity)
  • Building plan duly approved by municipal authority and or concerned authority
  • Equity contribution must be 25% to 40% of total construction cost
  • Monthly installment must match monthly rental income from the building
  • Possesses good credit worthiness
  • Ownership Certificate
Housing Loan (ML) Application Form
Additional Housing Loan Application Form
Addendum to Housing Loan Application