NMB Bank Home Loan interest rate 2083
NMB Bank's home loan is priced at 5.45%–7.45% effective in Bhadra 2083: a 4.95% base rate plus a 0.5%–2.5% premium. That ranks 4th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 40,722, plus a 0.75% processing fee.
- Effective rate
- 5.45% – 7.45%
- Base rate
- 4.95%
- Premium
- 0.5% – 2.5%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 4 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: www.nmb.com.np/en/interest-rate
NMB Bank Home Loan: effective rate 5.45%, EMI from Rs. 40,722 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.95%
Premium
0.5%–2.5%
Effective rate
5.45%–7.45%
Fixed
9.99%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 1.52%
- Fixed-rate terms
- Sulav Ghar Karja: fixed for up to 10 years, then base rate + 2.99%
- EMI at fixed 9.99%
- Rs. 53,700 · 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
NMB Bank Home Loan FAQ
What is NMB Bank's current Home Loan interest rate?+
NMB Bank's Home Loan floating rate is base rate 4.95% plus a premium of 0.5% to 2.5%, giving 5.45% to 7.45% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from NMB Bank?+
At 5.45% over 180 months, the EMI is roughly Rs. 40,722. Use the calculator above to change the amount or tenure.
Can I prepay a NMB Bank Home Loan?+
Yes. The published prepayment charge is 1.52% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
