Nepal Investment Mega Bank Home Loan interest rate 2083
Nepal Investment Mega Bank's home loan is priced at 6.44%–8.44% effective in Bhadra 2083: a 4.44% base rate plus a 2%–4% premium. That ranks 15th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 43,391, plus a 0.75% processing fee.
- Effective rate
- 6.44% – 8.44%
- Base rate
- 4.44%
- Premium
- 2% – 4%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 15 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: www.nimb.com.np/personal-banking/interest-rate
Nepal Investment Mega Bank Home Loan: effective rate 6.44%, EMI from Rs. 43,391 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.44%
Premium
2%–4%
Effective rate
6.44%–8.44%
Fixed
7%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.88%
- Fixed-rate terms
- Housing loan up to NPR 30 million, fixed for 7 years
- EMI at fixed 7%
- Rs. 44,941 · Rs. 50 Lakh, 180 months
- 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 Investment Mega Bank Home Loan FAQ
What is Nepal Investment Mega Bank's current Home Loan interest rate?+
Nepal Investment Mega Bank's Home Loan floating rate is base rate 4.44% plus a premium of 2% to 4%, giving 6.44% to 8.44% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Nepal Investment Mega Bank?+
At 6.44% over 180 months, the EMI is roughly Rs. 43,391. Use the calculator above to change the amount or tenure.
Can I prepay a Nepal Investment Mega Bank Home Loan?+
Yes. The published prepayment charge is 0.88% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
