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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

    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 LoanOverdraftDebtBorrowing
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  • 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 LoanBagmati
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  • 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 EstateBanking
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