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Loans

14 posts tagged "Loans".

  • 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
  • 11 min read

    Can you borrow against your life insurance policy in Nepal? Policy loan vs personal loan

    Nepali insurers charge around 10 to 14% on a policy loan, compounding every six months. Everest Bank lends against the same policy at 8% fixed. The full comparison.

    GuideNepalInsuranceLife InsuranceLoans
  • 12 min read

    Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses

    A sahakari loan doesn't disappear if the cooperative collapses in Nepal — the debt survives, the depositor fund won't touch you, and CIB can still blacklist you.

    GuideNepalLoansCooperativesDebtPersonal Finance
  • 11 min read

    Snowball vs avalanche: the fastest way to clear multiple loans in Nepal

    A Nepali household juggling a credit card at 24%, a gold loan, and a personal loan needs a payoff order, not just a budget. Here's the real math and the real rates.

    GuideNepalLoansDebtBudgetingPersonal Finance
  • 9 min read

    Can you get a bank loan to buy bare land in Nepal?

    Yes, Nepali banks lend for bare land, but at about 50% of value in Kathmandu Valley, half a home loan's leverage. Buying a plot is mostly a cash game — the math.

    GuideNepalLoansLandReal Estate
  • 8 min read

    Your salary is paid in cash. Here's what it costs you on loans, tax, and visa proof

    Paid in cash in Nepal? Why it sinks loan applications, leaves the tax owed anyway, and fails visa financial proof, plus the bank-record fix that costs nothing.

    GuideNepalSalaryTaxLoans
  • 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
  • 9 min read

    Laghubitta loans in Nepal: why microfinance interest runs higher than a bank's

    Microfinance in Nepal charges roughly double a bank's rate. The structural reasons, the NRB caps, the 2082 base-rate switch, and what a borrower should do.

    GuideNepalLoansMicrofinanceLaghubittaNRB
  • 9 min read

    Does Nepal have a credit score? CIB, your report, and how lenders judge you

    Nepal has a 60–960 credit score through CIB, but the CIBIL-style consumer score is still being built. How lenders judge you, and how to read your own report.

    GuideNepalBankingCreditCIBLoans
  • 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
  • 7 min read

    What happens if you can't pay your loan EMI in Nepal?

    Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.

    GuideNepalLoansBankingPersonal Finance
  • 11 min read

    Loan against your CIT or PF balance in Nepal: when it makes sense

    EPF lends against your own balance near 5.75% and CIT from 5.25%, well below a bank personal loan. The eligibility, the caps, and when it's the smart move.

    GuideNepalRetirementLoansCITPF
  • 9 min read

    Loan against your FD or shares in Nepal: cheaper than a personal loan?

    Borrow up to 90% of an FD near its own rate plus 2%, or 70% against NEPSE shares, while the asset keeps working. The full cost and risk math vs a personal loan.

    GuideNepalLoansFDNEPSE