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.
- 14 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.
- 13 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 carries a 5–10% fee — an effective 17–19% APR. The Nepal-specific math, the providers, and the trap.
- 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.
- 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.
- 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.