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.
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.
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.
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.
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.
