Rastriya Banijya Bank Home Loan interest rate 2083
Rastriya Banijya Bank's home loan is priced at 5.83%–6.33% effective in Shrawan 2083: a 3.83% base rate plus a 2%–2.5% premium. That ranks 11th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 41,735, plus a 0.75% processing fee.
- Effective rate
- 5.83% – 6.33%
- Base rate
- 3.83%
- Premium
- 2% – 2.5%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 11 / 19
- Rates effective
- Shrawan 2083
Effective from: 1 Shrawan 2083Source: www.rbb.com.np/content/history-rate-of-interest
Rastriya Banijya Bank Home Loan: effective rate 5.83%, EMI from Rs. 41,735 per month. Compare with 18 other banks.
Rate breakdown
Base rate
3.83%
Premium
2%–2.5%
Effective rate
5.83%–6.33%
Fixed
7.25%–8%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.58%
- Fixed-rate terms
- Up to 5 yrs 7.25% · up to 10 yrs 7.50% · up to 15 yrs 8.00%
- 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
Rastriya Banijya Bank Home Loan FAQ
What is Rastriya Banijya Bank's current Home Loan interest rate?+
Rastriya Banijya Bank's Home Loan floating rate is base rate 3.83% plus a premium of 2% to 2.5%, giving 5.83% to 6.33% effective from Shrawan 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Rastriya Banijya Bank?+
At 5.83% over 180 months, the EMI is roughly Rs. 41,735. Use the calculator above to change the amount or tenure.
Can I prepay a Rastriya Banijya Bank Home Loan?+
Yes. The published prepayment charge is 0.58% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
