Real Estate Tools

Calculate, convert, and plan your property investments with our free tools tailored for Nepal.

Affordability Calculator

Calculator

Find out the maximum home loan and property value you can realistically afford based on your income, existing obligations, and bank DTI rules.

Gross Monthly Income

NPR

Your total income before tax

Existing Monthly EMIs

NPR

Car loans, personal loans, etc.

Monthly Living Expenses

NPR

Rent, food, utilities, education

Annual Interest Rate

% p.a.

Bank's home loan interest rate

Loan Tenure

Years

Typical max: 20–25 years in Nepal

Down Payment

% of property

Nepal banks require min 20–35%

Bank DTI Rule: Most Nepal banks apply 50% gross income rule

Max New Loan EMI

Max Loan Amount

Estimated Property Value

Monthly Income Allocation

Existing EMI

Living Expenses

New Loan EMI

Remaining

Debt-to-Income (DTI) Ratio

total debt / gross income

0% ≤40% Ideal 55% Caution 70%+ Risky

DTI = (existing EMIs + new loan EMI) ÷ gross income × 100

Bank Approval Likelihood

Net Disposable

EMI / Disposable

Tenure Scenario Comparison

All figures dynamically computed from your inputs above

Tenure	Max Loan	Property Value	Down Payment	Total Interest	DTI
Now

* All calculations are estimates for planning purposes only. Actual bank approvals depend on credit history, collateral valuation, and individual bank policies. Consult your bank for a formal pre-approval letter.