KharchapatraKharchapatra
Blog · Tag

Home Loan

9 posts tagged "Home Loan".

  • 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 as a percentage of the bank's own valuation, not your purchase price, and those two rarely match. Why the gap exists, and who pays for it.

    GuideNepalHome LoanReal EstateNRBValuation
  • 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
  • 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
  • 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
  • 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

    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
  • 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