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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
