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Borrowing

11 posts tagged "Borrowing".

  • 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. Asoj 2083 rates.

    GuideNepalLoansBorrowingBudgetingDashain
  • 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
  • 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
  • 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
  • 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
  • 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.

    GuideNepalBorrowingHome LoanReal Estate
  • 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