Real Estate
23 posts tagged "Real Estate".
- 12 min read
How many flats does it take to retire on rent in Kathmandu? The honest yield math
Kathmandu apartments yield roughly 2 to 4% gross and closer to 2.3% net. Retiring on rent needs about Rs 5 crore of property. The full math, with the tax that changed.
- 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.
- 9 min read
Malpot valued your land too high? How a property-tax appeal actually works in Nepal
There is no clean, documented appeal process for a Malpot land valuation or municipal property tax in Nepal. What the law actually says, and what to do instead.
- 9 min read
Renting your apartment on Airbnb in Nepal: the tax rules nobody has actually written
Nepal has no law written for Airbnb-style rentals. Here's what the homestay rules, rent-tax rules, and Airbnb's own policies actually say, and where the gaps are.
- 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.
- 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.
- 9 min read
Guthi, Raikar and Kipat: the land ownership types every buyer in Nepal must know
Nepal has two live land types: raikar you can own, and guthi trust land you mostly can't. Plus the mohi claim that freezes a sale. How to check before you pay.
- 9 min read
House rent agreement in Nepal: deposit, notice and what the law actually protects
Nepal's Civil Code sets a 35-day notice and eviction grounds, but is silent on your deposit and rent hikes. What the law protects, and what only your agreement does.
- 9 min read
Dakhil kharej (namsari): how to get land into your name at the Malpot
Registration transfers the deed; dakhil kharej puts the land in your name in the official records. The near-zero fee, the documents, and why skipping it bites later.
- 10 min read
House rent tax in Nepal: the 10% on rental income, and who you pay it to
An individual landlord in Nepal pays a flat municipal house rent tax (10% in Kathmandu), not income tax. Which tax applies depends on who your tenant is.
- 10 min read
What does it cost to pass a building plan (naksha) in Kathmandu?
Kathmandu's building-permit fee is about Rs 25/sq ft, but the design fee is the real cost. The full naksha-pass breakdown — fees, documents, and timeline.
- 10 min read
Where Rs 5 lakh would be today: land vs NEPSE vs gold vs FD (10-year look-back)
Rs 5 lakh invested in 2016 in land, NEPSE, gold, or an FD: what each is worth in 2026, with the CAGR, the taxes, and the catch the headline numbers hide.
- 8 min read
Annual land and house tax in Nepal: malpot vs municipal property tax
Malpot land revenue and municipal property tax are two small annual bills, often confused with the one-time registration tax. What each is, and how to pay.
- 12 min read
Ropani, aana, bigha, kattha: converting Nepali land units (and what one aana actually costs)
Convert ropani, aana, paisa, bigha, kattha and dhur to square feet, the base-16 trap that trips up buyers, and what one aana costs in Kathmandu.
- 11 min read
Buying an apartment in Kathmandu: the real cost beyond the sticker price
A Rs 1.5 crore apartment in Kathmandu rarely costs Rs 1.5 crore. Loading factor, registration, furnishing, and monthly dues are the gaps nobody quotes up front.
- 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.
- 12 min read
Building a house in Kathmandu: a per-aana budget for 2026
What it costs to build a house in Kathmandu in 2026 — Rs 15–35 lakh per aana finished, with per-sq-ft tiers, material prices, permits, and overruns.
- 14 min read
Property registration costs in Nepal: malpot, kitta-kat, and the hidden Rs lakh on a Rs 1 crore plot
What buyer and seller actually pay at Malpot when registering property in Kathmandu Valley — the 5.3% registration fee, 7.5/10% CGT, and a Rs 1 crore worked example.
- 13 min read
Capital gains tax on property in Nepal: the 7.5% and 10% math nobody explains
What sellers actually pay transferring land or a house in Nepal — 7.5% long-term, 10% short-term, base cost rules, malpot advance tax, and three worked examples.
- 13 min read
Land plotting scams in the Kathmandu Valley: 6 red flags before you book a plot
Civil Homes, fake lalpurja, flood-zone colonies — six concrete red flags from real Kathmandu plotting scams, with KVDA and DUDBC rules to verify against.
- 14 min read
Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify
What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, naksha pass — with real Kathmandu Valley costs.
- 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.
- 9 min read
Renting vs buying in Kathmandu: the spreadsheet most people skip
Most rent-or-buy advice skips registration fees, opportunity cost, and the early-EMI interest tax. Here is the spreadsheet — with 2026 Kathmandu numbers.