Studying in Australia is a dream for many Nepalese students due to its world-class education system, globally recognized degrees, and strong post-study work opportunities. However, managing the high cost of education can be challenging. An education loan for Australia from Nepal is one of the most reliable financial solutions to turn this dream into reality.

Why Take an Education Loan to Study in Australia?
Australia is one of the most expensive study destinations. An education loan helps cover:

• Tuition fees,
• Living expenses,
• Visa application cost,
• Health insurance (OSHC),
• Airfare, and other related expenses.

Taking a loan also strengthens your financial profile, which is an important factor for Australian student visa approval.

Education Loan Amount for Australia Study
Banks usually cover up to 70–80% of total study cost.

Maximum loan amount depends on:

• Course duration
• University fees
• Location in Australia
• Collateral value

Loans can go up to NPR 50–80 lakhs.

Interest Rate on Education Loan
Interest rates generally range from 7%–11% per annum (Base Rate + 5% to 8%). Rates vary depending on bank policies.

Required Documents

1. Natapramanit

• Original Natapramanit document

2. Citizenship

• Citizenship certificates of all people mentioned in the Natapramanit

3. Lalpurja

• Original land ownership certificate

4. Trace Map

• Original Trace Map in the name of the concerned bank
• (The Kitta number mentioned in Lalpurja must match)

5. Charkilla

• Original Charkilla
• (Must match the Lalpurja)

6. Bato Sifaris

• Required only if road access is not shown in the Trace Map

7. Land Tax Receipt (Kar Tiro)

• Recent land tax paid receipt
• Must be of latest fiscal year (2082/83)

8. Ward Income Certificate

• Provide documents based on income source:

a. Business Income

• Audit Report / Business Registration Certificate
• Tax Clearance Certificate
• PAN Card

b. Salary Income

• Salary Certificate
• Salary Tax Clearance
• PAN Card

c. Foreign Income

• Salary Slip
• Passport
• Visa
• Tax Clearance Certificate

d. Land Lease Income

• Land Lease Agreement
• Citizenship of lessee
• Tax Clearance
• (If rent income, same documents as land lease are required)

e. Agriculture Income

• Must be mentioned in Ward Income
• The same Kitta number should be shown as agriculture land

9. Student Passport

• Copy of valid passport

10. PAN Card

• PAN card of loan applicant

11. Offer Letter

• Offer Letter / COE from educational institution

12. NOC

• Ministry of Education NOC

13. Academic Documents

• If Bachelor level:
  • SEE (Class 10) Character Certificate & Mark Sheet
  • +2 (Class 12) Transcript & Character Certificate
• If Master level:
  • All Bachelor level documents
  • (Master documents only if available)

14. Land Photos

• Photos clearly showing:
  • Road access
  • Land area
• Photos must include both land and road

15. CVR (Collateral Site Visit Report)

16. PP Size Photos

• Passport size photos of all Natapramanit members

Education Loan Process

• Counseling and course selection
• Offer Letter/COE
• Loan application
• Loan approval
• Visa application
• Loan disbursement

Why Choose Aama Education Consultancy?

We provide free counseling, education loan assistance, visa support, and post-visa services.

Final Words

An education loan makes studying in Australia achievable. Aama Education Consultancy supports you at every step.