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.
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.
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.
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.
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.
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.
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.
