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Loans and credit in Nepal

Home, vehicle, education, personal and gold loans, BNPL and credit cards, with the EMI math worked out, how base rate and premium set your interest, and how the CIB blacklist works when payments slip.

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  1. Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal
  2. How much home loan can you actually get on your salary in Nepal?
  3. Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved
  4. Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026
  5. CIB Blacklist in Nepal: How You Get On It and How to Get Off

Run your own numbers with the EMI calculator.

  • 12 min read

    Does a family member's CIB blacklist affect you? Spouse, parent, guarantor and co-applicant cases in Nepal

    A blacklisted borrower's household family is not blacklisted under NRB's 2082 directive, but banks need board approval to lend to them. The case-by-case rules.

    GuideNepalLoansCIBBlacklistFamily
  • 16 min read

    Borrowing Rs 1 lakh for Dashain 2083: what a festive loan, a credit card and a dhukuti each actually cost

    Rs 1 lakh for three months costs about Rs 1,000 against an FD, Rs 2,500 on a personal loan, Rs 6,900 revolving on a card and near 20% a year in a dhukuti.

    GuideNepalLoansBorrowingBudgetingDashain
  • 14 min read

    The 80% first-home loan in Nepal: four conditions decide whether you actually get it

    Nepal's first-home buyer rule allows 80% LTV up to Rs 3 crore. Four NRB conditions gate it, a 70% income test caps it, and only some banks offer it.

    GuideNepalHome LoanNRBReal EstateBanking
  • 8 min read

    Why the bank's property valuation is lower than the market price you agreed to pay

    Your home loan is capped at a share of the bank's own valuation, not your purchase price, and the two rarely match. Why the gap exists, and who pays for it.

    GuideNepalHome LoanReal EstateNRBValuation
  • 12 min read

    Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses

    A sahakari loan doesn't vanish if the cooperative collapses in Nepal: the debt survives, the depositor fund won't touch you, and CIB can still blacklist you.

    GuideNepalLoansCooperativeDebtPersonal Finance
  • 11 min read

    Snowball vs avalanche: the fastest way to clear multiple loans in Nepal

    A Nepali household juggling a credit card at 24%, a gold loan and a personal loan needs a payoff order, not just a budget. The real math and the real rates.

    GuideNepalLoansDebtBudgetingPersonal Finance
  • 9 min read

    Can you get a bank loan to buy bare land in Nepal?

    Yes, Nepali banks lend for bare land, but at about 50% of value in Kathmandu Valley, half a home loan's leverage. Buying a plot is mostly a cash game. The math.

    GuideNepalLoansLandReal Estate
  • 9 min read

    Instant loan app scams in Nepal: how they trap you and how to get out

    Unlicensed instant-loan apps are illegal in Nepal under BAFIA. How the contact-harvesting and shame-harassment works, the legal alternatives, and how to report.

    GuideNepalScamsBorrowingConsumer Protection
  • 9 min read

    Subsidized loans in Nepal (byaj anudan): the 2082 reset and what you can still get

    Nepal's byaj anudan concessional loans restarted in 2082 on tighter terms: a flat 3% subsidy, higher ceilings for women and youth, one loan per household.

    GuideNepalBorrowingLoansGovernment Schemes
  • 9 min read

    Laghubitta loans in Nepal: why microfinance interest runs higher than a bank's

    Microfinance in Nepal charges roughly double a bank's rate. The structural reasons, the NRB caps, the 2082 base-rate switch, and what a borrower should do.

    GuideNepalLoansMicrofinanceLaghubittaNRB
  • 9 min read

    Does Nepal have a credit score? CIB, your report, and how lenders judge you

    Nepal has a 60–960 credit score through CIB, but the CIBIL-style consumer score is still being built. How lenders judge you, and how to read your own report.

    GuideNepalBankingCreditCIBLoans
  • 8 min read

    Loan processing fees and hidden charges in Nepal: the real cost of borrowing

    The 0.75% service fee NRB caps, plus valuation, CIB, insurance, penal interest, and swap charges that turn an advertised rate into the real cost of a loan.

    GuideNepalLoansBorrowingBankingHome Loan
  • 9 min read

    Loan rates are dropping too: how to get your bank to cut your home-loan premium

    Bank lending rates in Nepal have fallen from 13% to under 7%. Your floating loan should follow, but the premium is where the money hides. How to get it cut.

    GuideNepalLoansHome LoanBanking
  • 8 min read

    What happens if you can't pay your loan EMI in Nepal?

    Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.

    GuideNepalLoansBankingPersonal Finance
  • 10 min read

    Should you prepay your home loan early in Nepal? The foreclosure-charge math

    NRB bars any prepayment penalty on home loans up to Rs 50 lakh. Here is the foreclosure-charge math, and whether to prepay a 9% loan or invest the cash instead.

    GuideNepalHome LoanPrepaymentEMIBanking
  • 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 process from notice to court.

    GuideNepalBankingChequeLegalCIB
  • 9 min read

    Loan against your FD or shares in Nepal: cheaper than a personal loan?

    Borrow up to 90% of an FD near 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.

    GuideNepalLoansFDNEPSE
  • 14 min read

    Being a loan guarantor in Nepal: the full-debt risk before you sign someone's papers

    A jamani in Nepal is liable for the full debt on default and can be CIB-blacklisted. The Civil Code 2074 rules, the collateral-first order, and the exit.

    GuideNepalBorrowingGuarantorCIBCredit
  • 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 LoanBorrowingBanking
  • 9 min read

    Car loan in Nepal: down payment, interest, and the real monthly cost

    NRB caps car loans at 60% of value, so you bring 40% down. The FY 2082/83 LTV rule, current rates, and a worked EMI on a Rs 42 lakh car.

    GuideNepalAuto LoanBorrowingCar
  • 11 min read

    How much home loan can you actually get on your salary in Nepal?

    Banks approve the lower of what your salary can service and what the LTV cap allows. The FY 2082/83 math, with a salary-to-loan table at 80% LTV and 8% rates.

    GuideNepalHome LoanBorrowingBanking
  • 14 min read

    CIB Blacklist in Nepal: How You Get On It and How to Get Off

    About 1.7 lakh Nepalis are on the CIB blacklist. The real triggers in NRB's 2082 directive (a year overdue, not 90 days), who gets listed, and the 6-day exit.

    GuideNepalBankingCIBCredit
  • 13 min read

    Credit Card in Nepal: When It Makes Sense and When It's a Trap

    Only 3.18 lakh cards against 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 Card
  • 13 min read

    Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality

    Rs 138 billion left Nepal for foreign study in FY 2024/25. Bank rates of 5.64–16.3%, the USD 25,000 NRB cap, the 3% service fee, and what co-signers risk.

    GuideNepalBorrowingEducationStudy Abroad