If you receive any calls (except from BoB Contact Center when you have lodged a concern with them +975 2 349903), SMS and Email asking for personal details such as Account number or ATM Card number, please do not share. Bank of Bhutan will never ask for personal details of clients. It’s all spam.

Notification on ATM Withdrawal Charge

All customers are requested to note that cash withdrawals from other bank’s ATM machines are chargeable @Nu 9/- per withdrawal transaction from the sixth transaction onwards, and is recovered at each month end. This is a common charge across banks and as mandated by the Central Bank.

The home of your dreams can now be yours with Bank of Bhutan Housing Loans. Enjoy facilities like maximum possible loan amount, long repayment tenure and easy on the wallet EMIs. Now, build your dream home without facing any financial hardship.


  • All Bhutanese Nationals with sufficient collateral and repayment source.


  • Commercial housing loan: 80% of building estimates and 70% of building estimates which exceed 50 million.
  • Non-commercial (home) loan: 90% of building estimates.
  • For renovation: 50% of the renovation cost.
  • Takeover loan:  Loan Outstanding with other FIS.


CLICK HERE to view the Floating/Prevailing interest rate.


30 years


  • Application form duly filled by the applicant and signed on all the pages (full signature).
  • Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).
  • One recent passport size photo of the applicant.
  • Approved drawing plan of the building and a copy of approval letter for construction from concerned authority.
  • Expected rental income for new construction or proof of income to service the loan – rental income statement and BIT/PIT/Salary Slip duly certified by the Department concerned.


  • Appointment letter for applicant and guarantor (if applicable).
  • Latest payslips of applicant and guarantor (if applicable).
  • Non e-PEMS – Latest pay slip of the applicant(s) duly signed and sealed by salary disbursing officer & recommendations.


  • Ownership certificate(s) of the collateral security offered to the bank.
  • Consent letter from the joint owner or co-owner if the collateral provided is joint/co-ownership.
  • A copy of family tree – For family-owned land, family (household) register issued by Department of Civil Registration and Census, Ministry of Home and Culture Affairs (MoHCA) and a copy of No Objection Certificate (NOC) letter from family members (18 years and above (if applicable).
  • Sale Deed agreement in case of purchase of already constructed building/flat.
  • Power of Attorney (POA) given by the rightful owner for execution of loan documents may be accepted only in case of people residing outside Bhutan/unable to present themselves in the Bank. However, it should be witnessed by a person having a good track record with the bank. For acceptance of POA, refer to the following Guidelines on issuance of Power of Attorney by the client.
  • POA issued by an Individual has to be special or Limited POA issued for one-time financial or banking transaction;
  •  POA isssued by an individual has to be issued to a family member(Transaction pertaining execution of Legal documents, agreements);
  • An Individual issuing a POA to a person has to specify the purpose for which the POA has been issued.The POA issuer has to fill up Bank’s POA form witnessed by a Bank’s client having a good track record