Real Estate Tools
Calculate, convert, and plan your property investments with our free tools tailored for Nepal.
Home Loan
ReferenceUnderstand eligibility, required documents, indicative interest rates from major Nepalese banks, and everything you need before applying.
21–65 yrs
Age at Loan Maturity
1+ Year
Min. Employment (Salaried)
2+ Years
Min. Business Operating
Up to 65%
Loan-to-Value Ratio
Required Documents — Salaried
- Citizenship certificate of applicant & guarantor
- Passport-sized photographs (2 copies)
- Salary certificate & 6–12 months bank statement
- Tax clearance certificate (PAN/TDS deduction)
- Property documents (Lalpurja, Blue Print, Trace Map, Char Killa)
Required Documents — Business
- Citizenship certificate of applicant & guarantor
- Company/Firm registration certificate & PAN/VAT
- Audited financial statements (last 2 years)
- Tax clearance receipt / return slips
- Property documents (Lalpurja, Blue Print, Trace Map, Char Killa)
Indicative Home Loan Rates (Nepal — 2025)
| Bank | Base Rate | Premium | Effective Rate |
|---|---|---|---|
| Nabil Bank | 8.50% | 2.00% | ~10.50% |
| NIC Asia Bank | 8.25% | 2.50% | ~10.75% |
| Everest Bank | 8.75% | 2.00% | ~10.75% |
| Global IME Bank | 8.00% | 3.00% | ~11.00% |
| Kumari Bank | 8.50% | 3.00% | ~11.50% |
* Rates are indicative and subject to change. Contact your bank for confirmed figures.
Calculate your exact EMI
Use our EMI calculator to plan your monthly budget before visiting the bank.