Nepal Bank Limited Home Loan interest rate 2083
Nepal Bank Limited's home loan is priced at 6.79% effective in Bhadra 2083: a 4.37% base rate plus a 2.42% premium. That ranks 16th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 44,356, plus a 0.75% processing fee.
- Effective rate
- 6.79%
- Base rate
- 4.37%
- Premium
- 2.42%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 16 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate
Nepal Bank Limited Home Loan: effective rate 6.79%, EMI from Rs. 44,356 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.37%
Premium
2.42%
Effective rate
6.79%
Fixed
7.99%–8.99%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 1.39%
- Fixed-rate terms
- 7.99% for 5 years · 8.99% for 10 years
- Loan amount
- Rs. 10 Lakh – Rs. 5 Cr
- Tenure
- 60 – 300 months
- Max financing
- 70%
- Age
- 21 – 65 years
Highlights
- Purchase, construction or renovation
- Up to 25 years tenure
- Balance transfer available
Who is eligible
Salaried or self-employed with verifiable income. Property must be within municipal limits.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Lalpurja (land ownership)
- Blueprint and municipality approval
- Property valuation report
- Char killa and tax receipts
Nepal Bank Limited Home Loan FAQ
What is Nepal Bank Limited's current Home Loan interest rate?+
Nepal Bank Limited's Home Loan floating rate is base rate 4.37% plus a premium of 2.42% to 2.42%, giving 6.79% to 6.79% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Nepal Bank Limited?+
At 6.79% over 180 months, the EMI is roughly Rs. 44,356. Use the calculator above to change the amount or tenure.
Can I prepay a Nepal Bank Limited Home Loan?+
Yes. The published prepayment charge is 1.39% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
