Loan Affordability
Banks in Nepal follow Nepal Rastra Bank guidance that your total EMIs should stay within roughly half of your verifiable monthly income. Enter your income and existing EMIs to find the instalment you can carry and the largest loan it supports at a given rate and tenure.
Frequently asked questions
What is the 50% rule?+
Nepal Rastra Bank guidance asks banks to keep a borrower's total EMIs within about 50% of verifiable monthly income for consumer loans. Some banks use a stricter 40% for unsecured loans.
Which income counts?+
Salary shown on payslips and bank statements, rental income with agreements, business income from audited accounts, and often a portion of a co-applicant's income.
Can I borrow more with a longer tenure?+
Yes. A longer tenure lowers the EMI, so the same affordable EMI supports a larger loan, but you pay more interest in total.