Finance your home in Nepal
Compare home-loan rates from Nepali banks, check what you can borrow and apply — all in one place.
Mortgage service
One application, several lenders
Rather than queueing at each bank in turn, tell us what you are buying once and let the offers come to you. The service is free to use — lenders pay us, you don't.
01
Tell us about the property
The price you have in mind, where it is, and how much you can put down.
02
We approach partner banks
Your profile goes to lenders active in that district, so you are not applying one bank at a time.
03
Compare what comes back
Rate, tenure, processing fee and prepayment terms, side by side.
04
Complete with your chosen bank
Valuation, mortgage deed registration at the Malpot office, and disbursement.
What you'll need
Documents banks ask for
- —Citizenship certificate (and spouse's, for a joint application)
- —Salary certificate, or audited accounts if self-employed
- —Bank statements for the last 6–12 months
- —PAN and latest tax clearance
- —Lalpurja (land ownership certificate) for the property
- —Approved building drawing and municipal building permit
- —Bank-appointed valuation report
Home loans from Nepali banks
What lenders here actually offer
Commercial banks, development banks and finance companies all write home loans in Nepal. The product depends on whether you are buying, building or renovating.
| Purpose | Typical tenure | Share of value lent | Notes |
|---|---|---|---|
| Buying a built house or flat | Up to 20–25 years | Up to 70–80% | The most common product; the property itself is the collateral. |
| Building on land you own | Up to 20 years | Against cost estimate | Released in tranches as construction reaches each stage. |
| Buying land only | Up to 10–15 years | Lower — around 50% | Banks lend less against bare land than against a built home. |
| Renovation or extension | Up to 10 years | Against works estimate | Usually needs drawings and a contractor quotation. |
Who qualifies
- Salaried applicants with a steady income, or self-employed applicants who can show audited accounts.
- Instalments are usually capped at roughly half your net monthly income, counting any loans you already service.
- The loan normally has to finish before you reach retirement age, which shortens the tenure for older applicants.
- Clean title on the Lalpurja, with road access and a municipal building permit for anything built.
Worth knowing
Lending limits on residential property are set by Nepal Rastra Bank and are revised from time to time, so the share of the price a bank will lend can change between one year and the next. Ask for the current figure when you apply rather than relying on what a friend was offered.
Banks lend against their own valuation, not the price on the advert. If the valuation comes in under the asking price, the shortfall comes out of your deposit.
Transfer a mortgage
Move an existing loan to a better rate
Also called a loan swap or refinance. Another bank settles what you owe, and your mortgage is re-registered in their name — the property does not change hands.
When it is worth doing
- The gap between your rate and what you are quoted is wide enough to clear the switching costs — as a rough guide, a point and a half or more.
- You have several years left to run. Late in the term most of your instalment is principal, so a lower rate saves little.
- Your income or credit record has improved since you first borrowed, which may earn a lower premium.
- Your current bank will not match the offer — always ask them first, as it costs nothing.
What it costs
Expect a prepayment or swap charge from your current lender, a processing fee at the new one, a fresh valuation, and mortgage deed registration at the land revenue office. Add them up before comparing rates — a headline saving can disappear into fees.
How it runs
- 01Ask your bank for a statement of the outstanding balance, your current rate and the swap charge.
- 02Collect offers from other lenders on that exact balance and remaining tenure.
- 03The new bank settles the old loan directly and registers the lien in its name.
Mortgage calculator
Work out the monthly instalment
Enter the amount, rate and term to see the EMI, the total interest and what you repay overall.
Finance
Mortgage calculator
Estimate your monthly EMI from the loan amount, rate and term.
Estimated monthly payment
Rs 48,251/mo
- Loan amount
- Rs 50,00,000
- Total interest
- Rs 65,80,260
- Total repayable
- Rs 1,15,80,260
Estimate only — actual rates and EMIs vary by bank and eligibility.
Which property can you afford?
Start from the instalment, not the price
Banks size the loan against what you can repay each month. Work backwards from that and you get a realistic budget before you start viewing.
Three rules of thumb
- Half your income, at most
- Total instalments — this loan plus anything you already repay — should sit within about half your net monthly income. Many banks apply a tighter limit than that.
- Plan a deposit of 20–30%
- Banks lend against part of the value, not all of it. The rest is yours to find, in cash, before disbursement.
- Budget above the asking price
- Registration tax, valuation, processing fee, insurance and legal costs all land on top of the price and are paid up front.
A worked example
- Net monthly income
- Rs 150,000
- Instalment at 40% of income
- Rs 60,000
- At 10% over 20 years
- ≈ Rs 62 lakh loan
- With a 30% deposit
- ≈ Rs 26 lakh
- Property you could target
- ≈ Rs 88 lakh
Illustration only. Run your own numbers in the calculator above.
Compare bank offers
Rates are only half the comparison
Two loans at the same headline rate can cost very different amounts once fees and prepayment terms are counted.
| Lender | Indicative rate | Processing fee | Max tenure |
|---|---|---|---|
| Nabil Bank | 9.0 – 12.0% | 0.50 – 0.75% | 25 yrs |
| NIC ASIA Bank | 9.5 – 12.5% | 0.50 – 1.00% | 25 yrs |
| Global IME Bank | 9.0 – 12.5% | 0.50 – 0.75% | 20 yrs |
| Himalayan Bank | 9.5 – 12.0% | 0.50 – 0.75% | 20 yrs |
| Everest Bank | 9.0 – 11.5% | 0.50% | 20 yrs |
| NMB Bank | 9.5 – 12.5% | 0.50 – 1.00% | 20 yrs |
Indicative only — the figures above are illustrative ranges for this demo, not live quotes. Home-loan rates in Nepal float with each bank's published base rate and change regularly. Confirm current terms directly with the lender before deciding.
Base rate, not just the headline
Most Nepali home loans are the bank's published base rate plus a premium. The base rate moves, so your EMI can change — ask what the premium is and how often it is reviewed.
Prepayment and swap charges
A fee for paying early or moving the loan elsewhere. It decides whether refinancing later is worth doing at all.
The fees around the rate
Processing fee, valuation fee, mortgage deed registration and, at most banks, a life insurance policy assigned to the lender.
How the EMI is calculated
Reducing-balance is standard. Check whether the first instalment falls in the same month as disbursement.
Next step
Ready to look?
Browse homes for sale and estimate the loan you'll need against a real asking price.