Finance interest rate in nepal. ru/mvqp/palijativna-nega-beograd-cena.

Similar to other many home loan schemes, the loan-to-value ratio is 60% outside Kathmandu and 50% inside the valley. Fixed Deposit (Individual and Institutions) Individuals (% Per Annum) Institutions (% Per Annum) NMB Sulav Auto Loan-Electric- 7 Yrs. Jun 23, 2024 · Interest Rate. • Other verifiable income. The listed securities include: • Development Bond 2084 'Ta' with an interest rate of 8. 20%. In contrast to the normal Auto Loans, Nabil bank generally provides 50% 1 Year & Below 2 Years. 55 percent in its savings deposit. Laxmi Sunrise Bank’s Home Loans are extended to finance the Purchase of land, an independent house or apartment for residential purpose. Base Rate Applicable : 7. 2 Years & Above. 16th July, 2024, (1st Shrawan, 2081) New. Fax: 01 Interest Rates Notices of Nepal: Notices published on newspapers and websites all financial institutions, banks, finance, co-operatives, insurance companies. 5499. 00% p. 29 12. Minimum 25% of bank value in case of outright purchase of house/flat of the tentative Bank Value; Minimum 50% of bank value in case of Land purchase (subject to NRB stipulation) Interest rate Mar 9, 2023 · Updated at : March 10, 2023 15:35. 100000 Rate: 10% Tenure: 1 Year (12 months) Monthly Total: Rs. 9% • Development Bond 2085 'Ja' with an interest rate of 8. 09 Dec Maximum limit 5 Mio. 10 million, issued capital of Rs. Effective Base Rate for the month of Shrawan , 2081 could be obtained from our website www. An equated monthly installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. 00%: Penal Interest on past due loans & expired loan: Plus 2. Note: The interest rates are effective from October 18, 2021 [Karthik 1, 2078 B]. Interest Rates on Loan and Advances shall be adjusted as per the change in average Base Interest Rate of the bank on quarterly basis. 79% - 11. 00%: FCY Demominated Loan: USD Trust Dec 2, 2023 · Interest rates of Nepali banks in 2023. National Cooperative Bank Limited (NCBL) was established in 2003, as the only bank in the cooperative movement of Nepal at national level, in exercise of the power conferred by the sub-section 4 of 4 days ago · Multipurpose Finance has earned a net profit of one crore twelve lakh 49 thousand 5 hundred 63 rupees during the second quarter of the financial year 2080/81. np Post-Box No. Loan Secured by : Fixed Deposit. Fixed Interest Rate for Term Loan of Individual above 1 Year. September 24, 202325. 71 1. 08 7. Find out Interest and Other Rates and Emi Calculator Kamaladi, Kathmandu-01, Kathmandu Metropolitan, Bagmati 4 days ago · Interest Rates Effective From Shrawan 01, 2081 (16 July, 2024) Interest Rates on Loan and Advances (Floating Rates) shall be adjusted as per the change in average Base Rate of previous three months. The share held by government and private sector was 60% and 40% respectively. career; Education Loan Base Rate + Premium (2% to 4%) EMI Calculator. Your monthly repayment Rs. 93% Gold Loan: Base Rate + Up To 5% Premium: 6: Hire Purchase Loan: Base Rate + Up To 5% Premium: 7: Home Loan: Base Rate + Up To 5% Premium: 8: Industrial Loan: Base Rate + Up To 5% Premium: 9: Loan Against Fixed Deposit: Plus 2% on coupon rate(% p. info@rbb. ) under Nepal Bank Act 1937. Coupon rate +1. 75%. You could borrow up to Rs. a) or Base Rate which ever is higher: 10: Overdraft Loan: Base Rate + Up To 5% Premium: 11: Personal Oct 18, 2021 · At current, there are 27 ‘A’ class (commercial) banks operating in Nepal. 99 12. Read more. 25% whichever is higher. e. NMB Bank Limited licensed as “A” class financial institution by Nepal Rastra Bank in May 2008 has been operating in the Nepalese Financial market for over twenty years and is one of the leading commercial banks in the banking industry. • Bank Statement for minimum 6 months, as applicable. 50 to 5. 25% to 3% or Base Rate + up to 1. Click to reveal 👁. Email Us. FAQ. March 14, 202326. Loan Term (years) Interest Rate (%) Calculate. Likewise, the fixed deposit will offer as high as a 9. Official Link Interest Rate. :8368, SWIFT Code: RBBANPKA Email: swift@rbb. Loan Interest rate in Nepal The bank interest Oct 17, 2021 · Nepal Bank Limited (NBL) has published a new interest rate for its deposit and loan products. Above 3 years to 5 years. The central bank Mar 18, 2023 · On the other hand, Everest Bank's vehicle loan interest rate is 13 percent for 7 years. 4 days ago · The variance on interest rate between same nature loans shall not be greater than that is prescribed by the regulator. The total interest on an amount lent or borrowed depends on the principal sum, the interest rate, the compounding Siddhartha Bank's Loan against Shares is a Revolving loan that is granted against the shares of companies listed in the Nepal Stock Exchange (NEPSE). org. Himal Remit Fixed Deposit (1 Year upto 5 Years) 7. Foreign Currency Deposits at SBL. Penal Interest of plus 2% p. 49 percent. Base Rate + above 2. Base Rate Update Ongoing. An interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited, or borrowed. Interest Rate. 31%: 9. 99% which is far less compared the rate asked by finances. Finance for: > Tuition fee > Living expenses > Travelling expenses Tenure > Maximum upto 10 years > Loan shall be terminated on /or before 60 years of age of the borrower. 84 Rastriya Banijya Bank Limited Central Office Singhadurbar Plaza, Kathmandu Phone:+977-1-572-1220, Fax:+977-1-425-2931 Email: rbb. 12. Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. Till Then Nefinsco has been known as The most Mature finance company in Nepal providing its products among the Nefinsco Clients. 24%. Monthly/Quarterly/Maturity. 100000 at a 10% interest rate, and the loan period is 1 year (12 months), the monthly EMI is Rs. the amount borrowed or deposited) at a mutually agreed rate. 500. 59. 99% Up to 5 Years 5 Years to 10 Years Above Interest Rates Ways to access our help desk at: + 977 1 5970306 /307 9802314440 crm@jbbl. Up to 80% financing. 4. 8791. Everest Bank base rate is 9. 99 percent interest rate. 93 6. For example, the base rate of Everest Bank is 5. You May Also Like: Interest Rates Effective From Baisakh 1, 2080 (14 April, 2023) Base Interest Rate is 11. Tenure (in months) Loan EMI. SBL Premium Remit Saving Account. 00%. com Located at the heart of Kathmandu – Pako, Newroad, we started our operations from 14th Falgun 2052 BS. Jul 17, 2024. 79 15. Moreover, you will get the loan tenure for up to 7 years. source: Nepal Rastra Bank. Tel: 01-4823441, 9851212470. 6. Here, we have presented the interest rates offered by these banks on their various deposit and loan products. Check out the table below to compare and see the full list of banks with this FD interest rate. Bank Name. Apr 8, 2019 · Nabil Bank Housing Loan is another one of the home loans in Nepal. Interest rate structure as of ( 2079 Chaitra) Mid April 2023. 4 days ago · *Interest rate on all accounts will be calculated on daily basis and paid quarterly. Interest Rate Processing Fee Tenure ; Nepal Bank Nepal Bank Ltd. 50 percent has been fixed on the base rate for taking loans with variable interest rates over time. If someone has a loan amount of Rs. ** Conditions applied. Interest rate up to 6% Base Rate: 10. 19. An additional 4. 76%. 133% in annual interest on fixed deposits as of 1st January 2023. 250. However, when taking a loan, you must be careful about the floating rates. C. Fixed Deposit. * Rate applicable as per tie up agreement. Nepal Finance Co. 53% (For Ashadh 2081 – Average of last 3 months) Base Rate: 7. 00% or Base Rate whichever is higher. Line Bar Map. Interest rate in NPA accounts may vary from the published rate. Maniram Pokhrel (Deputy Chief Executive Officer) Prabhu Bank Limited Prabhu Building,Babarmahal Cell No: 9856027262, Phone: +977-1-5719000 The money placed on deposit earns a fixed rate of interest which is credited Quaterly, according to the terms and conditions that govern the account. Collateral related Bishnu Marga, Budhanilkantha MPC -10, Kathmandu Valley, Nepal. We publically issued 120,000 shares in Term * Please select a term. Everest Home Loan is a loan where you can get the loan by directly contacting a representative. 99% in FDs. 64 1. Interest rate in consortium financing as decided by consortium. Nepal Bankers Association on Thursday decided to cap the interest rate on loans, a move they said would protect consumers from excessive interest rates and make taking loans more affordable. Base Rate. Home. 29%: 10 years: Nepal Bank Nepal Bank Ltd. 0. As of 17th of May 2023, commercial banks in Nepal are providing 9. The bank offers up to 4. 57 % (as on Jestha 2081 end ) Spread Rate: 4. 79%-Nepal Bank Nepal Bank Ltd. nepalbank. 00% - 2. NMB Bhawan,Akhtiyaar Marga ; 01-5970150, +977-1-5346160 call@nmb. 5 percentage point. D. The bank will provide up to 4. Nepal Investment Bank Ltd. It has been established as per the Finance Company Act 2042 B. Loans & Advances. Interest rate structure as of ( 2080 Asar) Mid July 2023. Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, internal Credit Risk Ratng Assessment etc. Nepal Bank Limited was established as FIRST bank of Nepal on Kartik 30, 1994 (November 15, 1937 A. cheapest home loan rates in Nepal. Dilli Ram Pokhrel; Office-Tel: +977-01-5719603 (Ext. Types of interest rates in a Home Loan in Nepal 2080. 105499. 25% per annum Home Loan (Upto 7 Years) Benchmark rate plus up to 3%: TR Loan: Benchmark rate plus up to 3%: Fixed Interest Rate Loan Projects: Interest Rate (% Per Annum) Project Finance: BR + Up to 2%: Energy Financing: BR + Up to 2% **Fixed Rate Home Loan Interest Rate (% Per Annum) Sulav Ghar Karja- Up to 10 Yrs Fixed plus Floating: 9. 08 Total Amount Payable: Rs. The Interest Rates (Fixed and Floating . Calculate. 2. Auto Loan-Fixed Rate: 7. 8. 24%: Shree Invest Base Rate Update Ongoing. 99%. 88 kb. 3 days ago · According to Nabil e-Auto Loan, you can get financing up to 80% at an interest rate of 9. Visit the branch that is nearest to you. 525%) and subject to change based on market conditions. Sep 9, 2020 · Loan Tenure: 15 Years maximum; Interest Rate: 7. 19 11 Deprived Sector Loan/Total Loan $^ 6. 2] Determine how much money you need and for what purpose. Equated monthly installments are used to pay off both interest and principal each month so that over a specified number of years, the loan is paid off in full. 02 percent interest on its savings deposits. त्रयमासको अन्तिम महिना (असोज, पुस, चैत्र, असार) मा पुराना ऋणीहरुको लागि सीमा बृद्धि गर्न रोक लगाइएको हो । सो महिनाहरुमा कर्जा नवीकरण गर्न तथा स्वीकृत 2 days ago · Interest Rate Effective From 1st Shrawan 2081 (16th July, 2024) Saving Deposit (NPR) Feb 18, 2024 · The MCLR-based calculation is slightly lower than the base rate. Hira Bahadur Ale Mobile: +977-9851328566 Email: gunaso@adbl. 4] Gather all the required documents. The interest rates will not change as the rate Jul 25, 2023 · The Nepal Rastra Bank has issued various government bonds with different interest rates and maturity dates. 00 % pa in Apr 2024. Sunrise Bank's fixed vehicle loan interest rate is 13 percent. housing loan interest rate in nepal. 10 7. FCY Deposit. 79%: 5 years: Krishi Bikas Agriculture Dev. 50% up to 4. 750. Salient Features Minimum Balance is Rupees 10,000/- only. Up to 3 years. #homeloan interest rates of nepalese banks. 03 3 Total Liquid Assets/Total Deposit 24. The average base rate of the bank is 9. DIGITAL BANKING Experience with Reliance Finance. Simple Interest is calculated as: Simple Interest = Principal 4 days ago · Interest Rate. Sep 11, 2020 · pursue higher studies in Nepal as well as abroad. The education loan is a collateral-based term loan specially designed to facilitate your higher education financial requirements in Nepal or abroad. Similarly, Nepal Bank will Mar 15, 2023 · Published Interest Rates. Nepal. 09 1. Interest Rates on loans against NRB Refinance shall be as per the NRB guidelines. S. com. Central Finance’s latest interest rates | Explore competitive FD, loan & more options tailored for you. 29 percent. Phone: 01-4525292. Similarly, the highest interest rate provided to institutions on fixed deposits should be lesser than that provided to individuals by 1 percentage point. At present, the rates may vary. Spread Rate. 5 million and paid up capital of Rs. NIC Asia Education loan is a simplified and flexible student loan for your higher studies. 50% premium”. FDs sometimes go by the name term deposits. Purposes of This Loan: Construction & Purchase of Fixed Deposit. Call Deposit (NPR) up to 1. • Pension slip, interest received statement etc. Financing Amount: upto 70% of the Fair Market Value of the collateral security as valued by the Bank’s approved value. Phone No: 01-5180182. 74 8. 86 percent. np Swift Code: NMBBNPKA 4791800 / 5424198. Above 24 months to 36 months. adbl. Calculate your EMI. 03% - 13. 50%. Securities/Total Deposit 15. Nepal Finance Limited (Nefinsco) is The First Finance Company of Private Sector in Nepal established in 2049 B. The interest rate is applicable from October 17, 2021 (Karthik 1, 2078 BS). International Monetary Fund, International Financial Statistics and data files. The BAFIA authorizes the NRB to issue guidelines to all commercial banks and financial institutions on interest rates, interest ceilings, and areas of investment. Interest Rate % Reset. Interest rate * Rate is required. Interest Rates; Archived Interest Rates ; Base Rate; 12 months to 24 months. Fixed Interest Rate. 19 2 Investment in Gov. 3. * Minimum Balance of Rs. 29%: Nepal Bank Ltd. 90 38. Interest Rate in Nepal averaged 6. Our study loan has a simple documentation process, quick disbursal, and longer repayment Small & Micro Credit (Retail) Base Rate + Premium up to 6. Notes: -. Minimum loan limit under MBL Margin Lending Loan is NPR 500K and maximum limit is NPR 5,000K. Home loan Land Purchase loan Interest rates of Home loan in Nepal home loan interest rates. Small & Micro Credit (wholesale) Base Rate + Premium up to 3. Loan Against Fixed Deposit (upto 90. Alternatively, please complete our contact form and we will be in touch as soon as possible. Laxmi Sunrise Bank extends Gold Loan to finance: Your immediate financial needs. 2000 2005 2010 2015 2020. Most banks charge two types of interest on home loans in Nepal: Fixed Interest Rate; This system of calculation ensures that the interest rate will not change over the loan term. With a fixed deposit, anyone can deposit a lump sum amount of money (one-time large deposit) in Central Finance for a predetermined amount of time at a predetermined rate of interest. Lumbini Bikas Bank Ltd Interest Rate. 00 % pa in May 2024. Likewise, the interest rate spread is 4. 00%: Home Loan for Earthquake Vctims under NRB Refinancing: As per the NRB Norms: BLB Agent Overdraft Loan: 0. . pramod@ncbl. Latest News. The base rate of the bank is 11. Download the Nepal Finance Mobile App and make your banking experience easier, with Finance Company in Nepal, Samriddhi Finance, World merchant Finance, samriddhi finance company limited. Institutional Bidding rate will be as per NRB guidelines for both LCY & FCY. 75. 4 days ago · 100 Days HBL Special FD*. np Sep 18, 2021 · Commercial lending in Nepal is governed under the Bank and Financial Institutions Act (BAFIA) of 2017. gov. 10 (USD/NPR) in May 2023. The depositor then receives the amount invested plus compound interest at the end of the term. 12 kb. Details. Loan Amount: Rs. Personal OD: 7. 48 24. We all dream of owning our own home and at Standard Chartered we are committed to helping you turn that dream to reality. 79% - 13. 06% as at end of Poush, 2079. Financing ratio: Up to 100 percent of the cost of education including traveling cost (for abroad) and accommodation (for abroad). 08 Nabil Bank Limited SWIFT: Find out the interest rates for different types of deposits and loans at Nabil Bank, the leading commercial bank in Nepal. f. Standard Home Loan above 10 Years 11. 500 only to customers doing transactions through electronic medium. Maximum tenure under MBL Margin Lending Loan shall be 1 year. 84 10 Total LLP /Total Loan 2. 00% (as on Jestha 2081 end) Click here to see previous Interest Rate details Apr 13, 2023 · Likewise, the fixed deposit will offer as high as an 9. Interest rate applicable on forced loan may very with risk premium form the published rate. 842 million. 05 percent interest rate. *Rates on Call accounts are negotiable (maximum 1. 59 1 Cash & Bank Balance/Total Deposit 8. The bank was established with an authorized capital of Rs. Following widespread complaints that banks have been reluctant to lower their interest rates despite being in a comfortable liquidity position, Nepal Bankers Association (NBA) -- the umbrella organization of 28 commercial banks -- has decided to bring the cap on deposit rates by 0. How may we serve you ? Central Finance Limited (CFL), was incorporated as a public limited company, on April 14, 1996. Standard Home Loan upto 10 Years Base Rate + above 2. 88% (Base rate) + from 1. Rastriya Banijya Bank (RBB) provides loans with a premium up to 5 percent above the base rate. 03%-Prabhu Bank Shrawan 2081 Interest Rate Updated. 11 percent (as of Falgun, 2079 BS). 3] Check your credit score and improve it if necessary. Financing Tenure of up to 7 years. Interest Rate % Reset 4 days ago · 15. Dr. 77% [ VIEW DETAILS] 18. 200 Days HBL Special FD*. INTEREST RATE. 16 kb. If you are aged at least 21 years and are under an employment having a take away pay sufficient to cover the installments, you can approach to avail our customized mortgage loan. Additional contact info. 11. 18. It commenced operations on April 14, 1997, upon obtaining the operating license from Nepal Rastra Bank. Effective From Shrawan 01, 2081 (July 16, 2024) Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. coop. Interest on Fixed Deposit can be paid monthly. Interest rates Effective From Ashad 01, 2081 (15 June, 2024) New Interest Rate Effective From Jestha 01, 2081 (14 May, 2024) Interest Rates Effective From 1, 2081 Baisakh (12 April, 2024) Interest Rates Effective From Chaitra 1, 2080 (14 March, 2024) Interest Rates Effective From Falgun 1, 2080 (13 February, 2024) Grievances Handling Officer: Mr. License : CC BY-4. Oct 21, 2021 · In a three-point directive issued on Tuesday evening, NRB said that banks and financial institutions can change the previously published any interest rate by only 10 percent. Interest is defined as a additional payment from borrower or deposit-taking financial institution to the lender or depositor for the principal sum (i. Web site created using create-react-app. Floating Interest Rate. Account Scheme. np 4 days ago · Interest Rates - Loans. #Finance #Rates. Deposit; Loan; Yearly Interest Rate. np 9802267823 EN | NP Notice & Announcements Lending interest rate (%) - Nepal. Personal Loan. In Nepal, interest rates decisions are taken by the Nepal Rastra Bank. Year 2081/2082; Year 2080/2081 as a Financial Services Company and a Merchant Bank under the Nepal Finance Feb 18, 2024 · To get a personal loan in Nepal, follow these steps: 1] Research different financial institutions and compare their interest rates, fees, and eligibility criteria. 59 Total Interest Payable: Rs. Kyc Update Notice Read more. The benchmark interest rate in Nepal was last recorded at 7 percent. “We have decided to reduce the premium rate on loans to 5 percent from 6 percent. Total Interest Payable. 70 2. Also Show. Jul 16, 2024. Contact Me. nepali banks. 00 percent in March of 2020. Furthermore, you can ensure your new vehicle from the get-go at a rate of “Base rate + 1. Find a Branch. np Education loan. Previously, it was 12. Interest rate structure as of ( 2080 Ashoj) Mid Oct 2023. 59% per annum. Oct 12, 2018. 5 days ago · 10. November 29, 2023. Jun 1, 2018 · In the latest reports, Nepal Discount Rate: Treasury Bill: 91 Days was reported at 3. 50 crore: Minimum 25% in case of construction / addition / repair / renovation of the proposed cost. 2. 5. 48. View Nepal's Long Term Interest Rate from Jun 1981 to Apr 2024 in the chart: 9 NPL/ Total Loan^ 1. 50 percent in July of 2022 and a record low of 5. Personal loan: 7. Repayment: Equal Monthly 51. Features Financing against Ordinary Shares: 70% of average closing price of the share at the latest 120 working days or prevailing market price of the shares, whichever is lower Margin lending facilities is being provided to the individual customers against the securities held to meet various personal obligations. Bank: Overdraft-Individual: 8. Up to 70% of estimated value of land and building. Upto 60% of FMV of land and building based on estimated cost of building. Up to 100 percent of the cost of tuition fee for study within Nepal If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset. 50% - 15. They also don’t have a fixed rate for the loan and have the lowest base rate. Notice regarding interest rate change(2024-07-19) About Us. Interest-Rate-Structure-as-of-MFIs-Poush-2079-mid-Jan 2023. Welcome to Central Finance Limited. Locate Us. 75 15. 00%) Coupon Rate Plus 2. 1. June 4, 202325. inventory_2 Deposit Products. 50%-RBB Rastriya Interest Rate effective from 1st Ashad 2081. 51 10. which bank has the lowest interest inn home loan. will be applied on overdue amount. The limit can be renewed based on the satisfactory Jul 16, 2023 · Loans under Consortium Financing: As per the Consortium Agreement: MBL Commercial Agriculture and Livestock Loan: 0. Nepal Exchange Rate against USD averaged 131. LCY Deposit - Fixed. 52 8. 50. Nepal Investment Mega Bank: Loan against Gold/Silver: 11. Above 36 months. 68 percent from 2003 until 2024, reaching an all time high of 8. It will help in the reduction of the Sep 17, 2021 · Nepal Investment Bank (NIBL) has introduced a new interest rate on its deposit and loan products. Label. 5 percent interest rate Sep 27, 2022 · This is because banks tend to have a lower interest rate compared to other financial institutions. • Tax paid documents. For this, Nepal Bank Limited offers variety of home loan with most competitive interest rate and flexible features for construction, extension and renovation of house, purchase of house and purchase of land only. Personal Loan: 7. The cash rate (Policy Rate: Month End: Bank Rate) was set at 7. The bank offers to finance up to NPR 30,000,000 for land & building purchase and up to NPR 10,000,000 for extensions and renovation work. Jun 21, 2024 · Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. w. Old Interest Rate. np . 141) Mob: +977-9841726075; Email: information@nrb. Alternatively, please drop us an email and we will contact you soon. Auto Loan: 7. Address: Thirbam Sadhak-2, Bhatbhateni. Awareness Program Read more Interest rate on Deposit and loans effective from 16th Jun, 2024 Residential Housing Loan for more than 1. It is calculated by multipling Principal with rate and duration. Our name was changed to Progressive Finance Limited from Merchant Finance Limited in 2067 upon the approval of company’s Annual General Meeting, Nepal Rastra Bank and Company Registrar’s office. Shrawan 2081 Interest Rate Updated. 5,680. Postal Code: 25460 Interest Rate Processing Fee Tenure ; Nepal Bank Nepal Bank Ltd. and Company Act 2053. 57% • Development Bond 2085 'Jhha' with an interest rate of 8% • Development Bond 2086 'Nga' with an interest rate of 6. Reliance Remittance Fixed Deposit Account. Mr. a. The interest rate is applicable from September 17, 2021 (Ashwin 1, 2078 BS). NIC Loan. 00%; Everest Bank- Everest Home Loan. 70. B. 0. You May Also Like: Nepal Bank Interest Rate. 7. Likewise, in the case of fixed deposits, NIBL will provide up to a 8. 79% - 12. 42 15. 014513232 014521696 Customer Care: 01-5970369 info@lumbinibikasbank. Email: contact@bankbyaj. 0% higher than above mentioned rates for respective tenure. zg cz xu hy vj le fc xs dd qe