Standard Chartered Bank Nepal Home Loan interest rate 2083
Standard Chartered Bank Nepal's home loan is priced at 6.12%–7.62% effective in Bhadra 2083: a 4.12% base rate plus a 2%–3.5% premium. That ranks 13th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 42,518, plus a 0.75% processing fee.
- Effective rate
- 6.12% – 7.62%
- Base rate
- 4.12%
- Premium
- 2% – 3.5%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 13 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: av.sc.com/np/content/docs/np-interest-rate.pdf
Standard Chartered Bank Nepal Home Loan: effective rate 6.12%, EMI from Rs. 42,518 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.12%
Premium
2%–3.5%
Effective rate
6.12%–7.62%
Fixed
8.5%–8.75%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 1.57%
- Fixed-rate terms
- Up to 10 yrs 8.50% · above 10 yrs 8.75%
- 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
Standard Chartered Bank Nepal Home Loan FAQ
What is Standard Chartered Bank Nepal's current Home Loan interest rate?+
Standard Chartered Bank Nepal's Home Loan floating rate is base rate 4.12% plus a premium of 2% to 3.5%, giving 6.12% to 7.62% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Standard Chartered Bank Nepal?+
At 6.12% over 180 months, the EMI is roughly Rs. 42,518. Use the calculator above to change the amount or tenure.
Can I prepay a Standard Chartered Bank Nepal Home Loan?+
Yes. The published prepayment charge is 1.57% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
