Loans & Credit
Home, education, vehicle, personal, gold, BNPL, and credit-card borrowing in Nepal — the EMI math, the rates, and the CIB blacklist that catches the unlucky.
- 9 min read
Cheque bounce in Nepal: the fine, the blacklist, and the law
What a bounced cheque now costs in Nepal: the 2025 graded jail terms, the 5% penalty, CIB blacklisting on a single bounce, and the police-led process from notice to court.
GuideNepalBankingChequeLegalCIBRead post - 9 min read
Loan against your FD or shares in Nepal: cheaper than a personal loan?
Borrow up to 90% of an FD at roughly its own rate plus 2%, or 70% against NEPSE shares, while the asset keeps working. The full cost and risk math vs a personal loan.
GuideNepalLoansFDNEPSERead post - 11 min read
Home loan balance transfer in Nepal: switching banks for a lower rate
Swapping a Rs 50 lakh loan from 11% to 8.5% saves Rs 7,600/month and breaks even in about 12 months. NRB caps the swap fee at 0.75%. The full cost math.
GuideNepalHome LoanBorrowingBankingRead post - 12 min read
CIB Blacklist in Nepal: How You Get On It and How to Get Off
150,000 Nepalis blacklisted as of Nov 2025. The triggers (single cheque bounce, 90-day default, Rs 1M threshold), the 6-step removal, and the Dec 2025 NRB easing.
GuideNepalBankingCIBCreditRead post - 12 min read
Credit Card in Nepal: When It Makes Sense and When It's a Trap
Only 3.18 lakh cards in a country of 1.35 crore debit cards. The 27% APR, USD 2,000 ecom cap, OTP scams, and the four cases where a credit card is the right tool.
GuideNepalBankingCredit CardRead post - 13 min read
Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality
Rs 138 billion left Nepal for foreign education in FY 2024/25. Bank rates from 5.64% to 16.3%, the USD 25,000 NRB cap, the 3% Education Service Fee, and what co-signers actually risk.
GuideNepalBorrowingEducationStudy AbroadRead post - 13 min read
Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved
Base rate dropped from 7.35% to 5.6% in a year. Floating now sits at 5.73% to 8.77%; fixed at 6.99% to 9.99%. The break-even math and which to pick.
GuideNepalBorrowingHome LoanReal EstateRead post - 12 min read
Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%
A 'Zero EMI' phone on Daraz or NIC Asia Instabuy looks free but carries a 5–10% processing fee, which translates to an effective 17–19% APR. The Nepal-specific math, all the providers, and where the trap is.
GuideNepalCredit CardsPersonal LoansConsumer FinancePersonal FinanceRead post - 14 min read
Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026
Personal loan vs gold loan vs overdraft in Nepal 2026: rates, LTV, fees, and tenure compared across commercial banks to find the cheapest debt.
GuideNepalLoanPersonal LoanGold LoanOverdraftDebtBorrowingRead post - 12 min read
Two-wheeler EMI math: why that रू 3 lakh Pulsar actually costs रू 4.2 lakh
Bike loan in Nepal 2026: how a Rs 3 lakh Pulsar becomes Rs 4.2 lakh once registration, insurance, EMI interest, and 3 years of road tax are added.
GuideNepalBike LoanTwo WheelerEMIPulsarVehicle LoanBagmatiRead post - 13 min read
Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal
Home loan EMI formula in Nepal, NRB's 80% LTV cap for first-time buyers, floating-rate resets, and prepayment math — with a calculator.
GuideNepalHome LoanEMIReal EstateBankingRead post